Side-by-side · Q2 2026 data
First Heritage Bank vs First State Bank
Metric by metric
| Measure | First Heritage Bank | First State Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 52 | 57 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 93 (stronger) | 85 |
| Funding & liquidity | 68 (stronger) | 67 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 63rd |
| Total assets | $72.1M | $72.5M |
| Deposits / shares | $59.9M | $61.7M |
| Capital ratio | 10.21% | 10.71% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.82% (stronger) | 1.62% |
| Loans ÷ deposits | 92.2% | 89.5% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 18.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 4 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 2 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.