Side-by-side · Q2 2026 data
First Vision Bank of Tennessee vs Heritage Bank & Trust
Metric by metric
| Measure | First Vision Bank of Tennessee | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 74 (stronger) | 35 |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 60 | 71 (stronger) |
| Funding & liquidity | 69 (stronger) | 64 |
| Problem-loan coverage | 79 | 90 (stronger) |
| Peer percentile | 68th | 29th |
| Total assets | $414.2M | $417.8M |
| Deposits / shares | $357.0M | $377.3M |
| Capital ratio | 12.40% (stronger) | 8.48% |
| Problem loans | 0.08% (stronger) | 0.36% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.01% | 1.28% (stronger) |
| Loans ÷ deposits | 82.1% (stronger) | 93.7% |
| Uninsured deposits | 23.4% | 17.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
First Vision Bank of Tennessee has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Vision Bank of Tennessee leads on 5 and Heritage Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.