Side-by-side · Q2 2026 data
First Heritage Bank vs State Central Bank
Metric by metric
| Measure | First Heritage Bank | State Central Bank |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 100 (stronger) | 63 |
| Earnings | 93 (stronger) | 83 |
| Funding & liquidity | 68 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 63rd | 76th |
| Total assets | $72.1M | $63.2M |
| Deposits / shares | $59.9M | $50.6M |
| Capital ratio | 10.21% | 16.11% (stronger) |
| Problem loans | 0.00% (stronger) | 1.11% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.82% (stronger) | 1.57% |
| Loans ÷ deposits | 92.2% | 71.7% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 20.4% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Central Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 4 and State Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.