Side-by-side · Q2 2026 data
Republic Bank & Trust Company vs Heritage Bank & Trust
Metric by metric
| Measure | Republic Bank & Trust Company | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 98 (stronger) | 35 |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 31 | 64 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 95th | 29th |
| Total assets | $7.1B | $417.8M |
| Deposits / shares | $5.6B | $377.3M |
| Capital ratio | 14.82% (stronger) | 8.48% |
| Problem loans | 0.56% | 0.36% (stronger) |
| Net charge-offs | 0.46% | 0.00% (stronger) |
| Return on assets | 2.13% (stronger) | 1.28% |
| Loans ÷ deposits | 95.7% | 93.7% (stronger) |
| Uninsured deposits | 45.6% | 17.5% (stronger) |
| Offices | 47 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Republic Bank & Trust Company has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Republic Bank & Trust Company leads on 3 and Heritage Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.