Side-by-side · Q2 2026 data
First Heritage Bank vs Kaw Valley State Bank and Trust Company
Metric by metric
| Measure | First Heritage Bank | Kaw Valley State Bank and Trust Company |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 40 | 67 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 67 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 53rd | 88th |
| Total assets | $303.4M | $295.8M |
| Deposits / shares | $280.1M | $250.6M |
| Capital ratio | 9.05% | 11.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.01% | -0.02% (stronger) |
| Return on assets | 1.51% | 2.17% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 76.9% |
| Uninsured deposits | 36.6% | 27.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 2.4% |
Kaw Valley State Bank and Trust Company has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 2 and Kaw Valley State Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.