Side-by-side · Q2 2026 data
Heritage Bank, Inc. vs Forcht Bank, National Association
Metric by metric
| Measure | Heritage Bank, Inc. | Forcht Bank, National Association |
|---|---|---|
| TellerScore | 65 | 66 (stronger) |
| Capital cushion | 40 (stronger) | 32 |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 61 (stronger) | 50 |
| Funding & liquidity | 71 | 80 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 36th | 40th |
| Total assets | $2.0B | $1.6B |
| Deposits / shares | $1.8B | $1.5B |
| Capital ratio | 9.01% (stronger) | 8.16% |
| Problem loans | 0.47% | 0.05% (stronger) |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 1.03% (stronger) | 0.74% |
| Loans ÷ deposits | 67.1% (stronger) | 75.1% |
| Uninsured deposits | 35.3% | 19.9% (stronger) |
| Offices | 19 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Forcht Bank, National Association has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank, Inc. leads on 3 and Forcht Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Burlington, KY
- Dry Ridge, KY
- Williamstown, KY
- Cincinnati, OH