Side-by-side · Q2 2026 data
First Community Bank of the Heartland, Inc. vs Citizens' Bank of Charleston
Bank
First Community Bank of the Heartland, Inc.
Clinton, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | First Community Bank of the Heartland, Inc. | Citizens' Bank of Charleston |
|---|---|---|
| TellerScore | 56 | 86 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 64 | 72 (stronger) |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 59 | 59 |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 13th | 90th |
| Total assets | $506.0M | $185.1M |
| Deposits / shares | $446.3M | $146.6M |
| Capital ratio | 8.12% | 20.51% (stronger) |
| Problem loans | 1.07% | 0.83% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 1.25% | 2.47% (stronger) |
| Loans ÷ deposits | 90.9% (stronger) | 101.5% |
| Uninsured deposits | 24.1% | 9.8% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Citizens' Bank of Charleston has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of the Heartland, Inc. leads on 2 and Citizens' Bank of Charleston on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.