Side-by-side · Q2 2026 data
First Heritage Bank vs Centera Bank
Metric by metric
| Measure | First Heritage Bank | Centera Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 40 | 46 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 81 | 85 (stronger) |
| Funding & liquidity | 67 | 84 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 53rd | 72nd |
| Total assets | $303.4M | $318.1M |
| Deposits / shares | $280.1M | $290.5M |
| Capital ratio | 9.05% | 9.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.51% | 1.63% (stronger) |
| Loans ÷ deposits | 69.5% | 51.2% (stronger) |
| Uninsured deposits | 36.6% | 29.6% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
Centera Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 2 and Centera Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.