Side-by-side · Q2 2026 data
KCB Bank vs Heritage Bank
Metric by metric
| Measure | KCB Bank | Heritage Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 64 |
| Capital cushion | 76 (stronger) | 49 |
| Loan quality | 62 (stronger) | 57 |
| Earnings | 71 | 90 (stronger) |
| Funding & liquidity | 80 (stronger) | 54 |
| Problem-loan coverage | 86 (stronger) | 85 |
| Peer percentile | 53rd | 26th |
| Total assets | $322.3M | $324.9M |
| Deposits / shares | $283.5M | $278.6M |
| Capital ratio | 12.62% (stronger) | 9.94% |
| Problem loans | 1.15% (stronger) | 1.28% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.27% | 1.74% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 84.2% |
| Uninsured deposits | 26.4% (stronger) | 34.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
KCB Bank has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), KCB Bank leads on 5 and Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.