Side-by-side · Q2 2026 data
First Kentucky Bank, Inc. vs Hearthside Bank Corporation
Metric by metric
| Measure | First Kentucky Bank, Inc. | Hearthside Bank Corporation |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 43 | 51 (stronger) |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 70 (stronger) | 54 |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 53rd | 37th |
| Total assets | $585.6M | $608.9M |
| Deposits / shares | $508.2M | $547.9M |
| Capital ratio | 9.35% | 10.07% (stronger) |
| Problem loans | 0.25% (stronger) | 0.32% |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 1.26% (stronger) | 0.85% |
| Loans ÷ deposits | 70.2% (stronger) | 82.4% |
| Uninsured deposits | 17.8% (stronger) | 26.5% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | 11.7% |
First Kentucky Bank, Inc. has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Kentucky Bank, Inc. leads on 5 and Hearthside Bank Corporation on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.