Side-by-side · Q2 2026 data
Peoples Bank & Trust Company vs Heritage Community Bank
Metric by metric
| Measure | Peoples Bank & Trust Company | Heritage Community Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 71 |
| Capital cushion | 97 (stronger) | 53 |
| Loan quality | 99 | 99 |
| Earnings | 90 (stronger) | 55 |
| Funding & liquidity | 75 (stronger) | 65 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 47th |
| Total assets | $168.6M | $184.4M |
| Deposits / shares | $142.6M | $152.1M |
| Capital ratio | 14.70% (stronger) | 10.31% |
| Problem loans | 0.02% (stronger) | 0.03% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.76% (stronger) | 0.87% |
| Loans ÷ deposits | 79.6% (stronger) | 94.3% |
| Uninsured deposits | 20.3% | 15.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank & Trust Company has the higher TellerScore (93 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Company leads on 6 and Heritage Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.