Side-by-side · Q2 2026 data
First Heritage Bank vs Houghton State Bank
Metric by metric
| Measure | First Heritage Bank | Houghton State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 69 |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 100 (stronger) | 14 |
| Earnings | 93 (stronger) | 83 |
| Funding & liquidity | 68 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 63rd | 40th |
| Total assets | $72.1M | $204.8M |
| Deposits / shares | $59.9M | $169.2M |
| Capital ratio | 10.21% | 15.39% (stronger) |
| Problem loans | 0.00% (stronger) | 2.58% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.82% (stronger) | 1.56% |
| Loans ÷ deposits | 92.2% | 85.7% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 19.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
First Heritage Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 5 and Houghton State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.