Side-by-side · Q2 2026 data
Midwest Heritage Bank, FSB vs First Central State Bank
Metric by metric
| Measure | Midwest Heritage Bank, FSB | First Central State Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 78 | 84 (stronger) |
| Loan quality | 41 | 93 (stronger) |
| Earnings | 90 (stronger) | 77 |
| Funding & liquidity | 57 | 65 (stronger) |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 37th | 84th |
| Total assets | $768.3M | $772.4M |
| Deposits / shares | $649.6M | $595.4M |
| Capital ratio | 12.82% | 13.39% (stronger) |
| Problem loans | 1.78% | 0.21% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.75% (stronger) | 1.43% |
| Loans ÷ deposits | 80.3% (stronger) | 82.4% |
| Uninsured deposits | 35.4% | 26.7% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Midwest Heritage Bank, FSB leads on 2 and First Central State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.