Side-by-side · Q2 2026 data
First Community Bank of the Heartland, Inc. vs Citizens Deposit Bank of Arlington, Inc.
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 Deposit Bank of Arlington, Inc. |
|---|---|---|
| TellerScore | 56 | 77 (stronger) |
| Capital cushion | 31 | 87 (stronger) |
| Loan quality | 64 | 69 (stronger) |
| Earnings | 70 | 84 (stronger) |
| Funding & liquidity | 59 (stronger) | 54 |
| Problem-loan coverage | 79 | 90 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $506.0M | $348.2M |
| Deposits / shares | $446.3M | $287.8M |
| Capital ratio | 8.12% | 13.66% (stronger) |
| Problem loans | 1.07% | 0.94% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.25% | 1.60% (stronger) |
| Loans ÷ deposits | 90.9% | 85.1% (stronger) |
| Uninsured deposits | 24.1% (stronger) | 34.5% |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Citizens Deposit Bank of Arlington, Inc. has the higher TellerScore (77 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 Deposit Bank of Arlington, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kevil, KY
- Wickliffe, KY