Side-by-side · Q2 2026 data
First Heritage Bank vs Citizens Savings Bank
Metric by metric
| Measure | First Heritage Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 52 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 93 (stronger) | 63 |
| Funding & liquidity | 68 | 79 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 51st |
| Total assets | $72.1M | $77.9M |
| Deposits / shares | $59.9M | $64.6M |
| Capital ratio | 10.21% (stronger) | 9.90% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.82% (stronger) | 1.07% |
| Loans ÷ deposits | 92.2% | 76.4% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 19.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Heritage Bank has the higher TellerScore (79 vs 74). On the 5 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 4 and Citizens Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.