Side-by-side · Q2 2026 data
Peoples Exchange Bank vs Hearthside Bank Corporation
Metric by metric
| Measure | Peoples Exchange Bank | Hearthside Bank Corporation |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 71 (stronger) | 54 |
| Funding & liquidity | 50 | 65 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 47th | 37th |
| Total assets | $609.8M | $608.9M |
| Deposits / shares | $522.7M | $547.9M |
| Capital ratio | 9.97% | 10.07% (stronger) |
| Problem loans | 0.06% (stronger) | 0.32% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.26% (stronger) | 0.85% |
| Loans ÷ deposits | 98.0% | 82.4% (stronger) |
| Uninsured deposits | 26.5% (stronger) | 26.5% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 11.7% |
Peoples Exchange Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 4 and Hearthside Bank Corporation on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.