Side-by-side · Q2 2026 data
First National Bank vs Southwest Heritage Bank
Metric by metric
| Measure | First National Bank | Southwest Heritage Bank |
|---|---|---|
| TellerScore | 42 | 73 (stronger) |
| Capital cushion | 53 | 84 (stronger) |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 63 (stronger) | 56 |
| Funding & liquidity | 77 (stronger) | 50 |
| Problem-loan coverage | 21 | 93 (stronger) |
| Peer percentile | 3rd | 53rd |
| Total assets | $452.8M | $892.8M |
| Deposits / shares | $425.4M | $753.6M |
| Capital ratio | 10.31% | 13.36% (stronger) |
| Problem loans | 5.29% | 0.67% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 1.08% (stronger) | 0.90% |
| Loans ÷ deposits | 50.7% (stronger) | 92.7% |
| Uninsured deposits | 35.9% | 30.8% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Bank has the higher TellerScore (73 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Southwest Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.