Side-by-side · Q2 2026 data
Security Bank and Trust Company vs First Community Bank of the Heartland, Inc.
Bank
First Community Bank of the Heartland, Inc.
Clinton, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Security Bank and Trust Company | First Community Bank of the Heartland, Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 56 |
| Capital cushion | 59 (stronger) | 31 |
| Loan quality | 99 (stronger) | 64 |
| Earnings | 85 (stronger) | 70 |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 88th | 13th |
| Total assets | $1.7B | $506.0M |
| Deposits / shares | $1.4B | $446.3M |
| Capital ratio | 10.92% (stronger) | 8.12% |
| Problem loans | 0.02% (stronger) | 1.07% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.61% (stronger) | 1.25% |
| Loans ÷ deposits | 83.8% (stronger) | 90.9% |
| Uninsured deposits | 27.5% | 24.1% (stronger) |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 12.5% |
Security Bank and Trust Company has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Company leads on 6 and First Community Bank of the Heartland, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.