Side-by-side · Q2 2026 data
Hearthside Bank Corporation vs First United Bank and Trust Company
Metric by metric
| Measure | Hearthside Bank Corporation | First United Bank and Trust Company |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 51 (stronger) | 45 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 54 | 78 (stronger) |
| Funding & liquidity | 65 | 84 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 37th | 57th |
| Total assets | $608.9M | $591.4M |
| Deposits / shares | $547.9M | $525.0M |
| Capital ratio | 10.07% (stronger) | 9.53% |
| Problem loans | 0.32% | 0.25% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.85% | 1.45% (stronger) |
| Loans ÷ deposits | 82.4% | 75.5% (stronger) |
| Uninsured deposits | 26.5% | 15.9% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 4.8% |
First United Bank and Trust Company has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Hearthside Bank Corporation leads on 2 and First United Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.