Side-by-side · Q2 2026 data
First Independent Bank vs American Heritage National Bank
Metric by metric
| Measure | First Independent Bank | American Heritage National Bank |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 49 | 69 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 82 (stronger) | 74 |
| Funding & liquidity | 76 (stronger) | 60 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 64th | 77th |
| Total assets | $632.3M | $604.7M |
| Deposits / shares | $533.0M | $523.8M |
| Capital ratio | 9.87% | 11.89% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 1.36% |
| Loans ÷ deposits | 82.0% (stronger) | 83.3% |
| Uninsured deposits | 16.8% (stronger) | 29.7% |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
American Heritage National Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 3 and American Heritage National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.