Side-by-side · Q2 2026 data
Greeneville Federal Bank, FSB vs Heritage Community Bank
Metric by metric
| Measure | Greeneville Federal Bank, FSB | Heritage Community Bank |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 31 | 99 (stronger) |
| Earnings | 69 (stronger) | 55 |
| Funding & liquidity | 56 | 65 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 37th | 47th |
| Total assets | $203.9M | $184.4M |
| Deposits / shares | $162.3M | $152.1M |
| Capital ratio | 15.59% (stronger) | 10.31% |
| Problem loans | 2.06% | 0.03% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.02% |
| Return on assets | 1.24% (stronger) | 0.87% |
| Loans ÷ deposits | 104.0% | 94.3% (stronger) |
| Uninsured deposits | 10.3% (stronger) | 15.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Community Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Greeneville Federal Bank, FSB leads on 4 and Heritage Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.