Side-by-side · Q2 2026 data
First Heritage Bank vs SJN Bank of Kansas
Metric by metric
| Measure | First Heritage Bank | SJN Bank of Kansas |
|---|---|---|
| TellerScore | 73 (stronger) | 37 |
| Capital cushion | 40 | 42 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 81 (stronger) | 56 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 16 |
| Peer percentile | 53rd | 2nd |
| Total assets | $303.4M | $302.9M |
| Deposits / shares | $280.1M | $259.6M |
| Capital ratio | 9.05% | 9.24% (stronger) |
| Problem loans | 0.00% (stronger) | 6.97% |
| Net charge-offs | -0.01% (stronger) | 0.19% |
| Return on assets | 1.51% (stronger) | 0.91% |
| Loans ÷ deposits | 69.5% (stronger) | 71.4% |
| Uninsured deposits | 36.6% | 24.5% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
First Heritage Bank has the higher TellerScore (73 vs 37). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 5 and SJN Bank of Kansas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.