Side-by-side · Q2 2026 data
First Heritage Bank vs Western National Bank
Metric by metric
| Measure | First Heritage Bank | Western National Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 40 | 41 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 81 (stronger) | 80 |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 53rd | 57th |
| Total assets | $303.4M | $257.4M |
| Deposits / shares | $280.1M | $232.0M |
| Capital ratio | 9.05% | 9.15% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.51% (stronger) | 1.51% |
| Loans ÷ deposits | 69.5% (stronger) | 87.1% |
| Uninsured deposits | 36.6% | 11.7% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 2.5% |
Western National Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Bank leads on 4 and Western National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.