Side-by-side · Q2 2026 data
Springfield State Bank 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 | Springfield State Bank | First Community Bank of the Heartland, Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 56 |
| Capital cushion | 90 (stronger) | 31 |
| Loan quality | 81 (stronger) | 64 |
| Earnings | 60 | 70 (stronger) |
| Funding & liquidity | 70 (stronger) | 59 |
| Problem-loan coverage | 94 (stronger) | 79 |
| Peer percentile | 75th | 13th |
| Total assets | $486.9M | $506.0M |
| Deposits / shares | $388.4M | $446.3M |
| Capital ratio | 14.04% (stronger) | 8.12% |
| Problem loans | 0.56% (stronger) | 1.07% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.01% | 1.25% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 90.9% |
| Uninsured deposits | 19.3% (stronger) | 24.1% |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Springfield State Bank has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Springfield State Bank 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.