Side-by-side · Q2 2026 data
First Fed Bank vs Heritage Bank
Metric by metric
| Measure | First Fed Bank | Heritage Bank |
|---|---|---|
| TellerScore | 49 | 68 (stronger) |
| Capital cushion | 46 | 52 (stronger) |
| Loan quality | 57 | 91 (stronger) |
| Earnings | 28 | 62 (stronger) |
| Funding & liquidity | 50 | 52 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 6th | 49th |
| Total assets | $2.1B | $8.4B |
| Deposits / shares | $1.6B | $7.0B |
| Capital ratio | 9.64% | 10.23% (stronger) |
| Problem loans | 1.28% | 0.27% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 0.20% | 1.05% (stronger) |
| Loans ÷ deposits | 99.0% | 80.8% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 39.1% |
| Offices | 11 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 36.1% |
Heritage Bank has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Fed Bank leads on 1 and Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.