Side-by-side · Q2 2026 data
First Heritage Bank vs PCSB Bank
Metric by metric
| Measure | First Heritage Bank | PCSB Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 52 | 61 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 93 (stronger) | 56 |
| Funding & liquidity | 68 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 63rd | 68th |
| Total assets | $72.1M | $326.1M |
| Deposits / shares | $59.9M | $294.0M |
| Capital ratio | 10.21% | 11.09% (stronger) |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.82% (stronger) | 0.91% |
| Loans ÷ deposits | 92.2% | 60.3% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 18.7% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Heritage Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 5 and PCSB Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.