Side-by-side · Q2 2026 data
First Community Bank of the Heartland, Inc. vs The Murray Bank
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. | The Murray Bank |
|---|---|---|
| TellerScore | 56 | 60 (stronger) |
| Capital cushion | 31 | 50 (stronger) |
| Loan quality | 64 (stronger) | 35 |
| Earnings | 70 | 93 (stronger) |
| Funding & liquidity | 59 | 73 (stronger) |
| Problem-loan coverage | 79 (stronger) | 71 |
| Peer percentile | 13th | 19th |
| Total assets | $506.0M | $534.1M |
| Deposits / shares | $446.3M | $476.7M |
| Capital ratio | 8.12% | 9.96% (stronger) |
| Problem loans | 1.07% (stronger) | 1.95% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.25% | 1.82% (stronger) |
| Loans ÷ deposits | 90.9% | 84.6% (stronger) |
| Uninsured deposits | 24.1% | 17.8% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
The Murray Bank has the higher TellerScore (60 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 The Murray Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.