Side-by-side · Q2 2026 data
First Heritage Bank vs State Bank
Metric by metric
| Measure | First Heritage Bank | State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 61 |
| Capital cushion | 52 (stronger) | 33 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 93 (stronger) | 52 |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 63rd | 19th |
| Total assets | $72.1M | $74.9M |
| Deposits / shares | $59.9M | $68.2M |
| Capital ratio | 10.21% (stronger) | 8.31% |
| Problem loans | 0.00% (stronger) | 0.70% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.82% (stronger) | 0.80% |
| Loans ÷ deposits | 92.2% | 74.8% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 18.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Heritage Bank has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 5 and State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.