Side-by-side · Q2 2026 data
First Heritage Bank vs Western National Bank
Metric by metric
| Measure | First Heritage Bank | Western National Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 52 (stronger) | 41 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 93 (stronger) | 80 |
| Funding & liquidity | 68 | 73 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 57th |
| Total assets | $72.1M | $257.4M |
| Deposits / shares | $59.9M | $232.0M |
| Capital ratio | 10.21% (stronger) | 9.15% |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.82% (stronger) | 1.51% |
| Loans ÷ deposits | 92.2% | 87.1% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 11.7% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
First Heritage Bank has the higher TellerScore (79 vs 74). On the 6 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 5 and Western National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.