Side-by-side · Q2 2026 data
First Community Bank of the Heartland, Inc. vs River City Bank, 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. | River City Bank, Inc. |
|---|---|---|
| TellerScore | 56 | 74 (stronger) |
| Capital cushion | 31 | 67 (stronger) |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 70 (stronger) | 61 |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 13th | 57th |
| Total assets | $506.0M | $494.9M |
| Deposits / shares | $446.3M | $438.3M |
| Capital ratio | 8.12% | 11.72% (stronger) |
| Problem loans | 1.07% | 0.36% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.25% (stronger) | 1.02% |
| Loans ÷ deposits | 90.9% | 85.2% (stronger) |
| Uninsured deposits | 24.1% | 21.9% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 12.4% |
River City Bank, Inc. has the higher TellerScore (74 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of the Heartland, Inc. leads on 1 and River City Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.