Side-by-side · Q2 2026 data
Peoples Bank vs Heritage Bank & Trust
Metric by metric
| Measure | Peoples Bank | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 77 (stronger) | 35 |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 79 (stronger) | 71 |
| Funding & liquidity | 56 | 64 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 75th | 29th |
| Total assets | $445.3M | $417.8M |
| Deposits / shares | $376.4M | $377.3M |
| Capital ratio | 12.72% (stronger) | 8.48% |
| Problem loans | 0.39% | 0.36% (stronger) |
| Net charge-offs | 0.27% | 0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 1.28% |
| Loans ÷ deposits | 94.8% | 93.7% (stronger) |
| Uninsured deposits | 23.2% | 17.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 3 and Heritage Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mount Pleasant, TN