Side-by-side · Q2 2026 data
Texas Heritage National Bank vs First Federal Community Bank, SSB
Metric by metric
| Measure | Texas Heritage National Bank | First Federal Community Bank, SSB |
|---|---|---|
| TellerScore | 59 | 74 (stronger) |
| Capital cushion | 52 | 81 (stronger) |
| Loan quality | 58 | 75 (stronger) |
| Earnings | 77 (stronger) | 61 |
| Funding & liquidity | 34 | 63 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 17th | 57th |
| Total assets | $936.4M | $603.6M |
| Deposits / shares | $811.9M | $520.4M |
| Capital ratio | 10.17% | 13.10% (stronger) |
| Problem loans | 1.27% | 0.75% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 1.03% |
| Loans ÷ deposits | 97.7% | 89.8% (stronger) |
| Uninsured deposits | 40.5% | 21.2% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
First Federal Community Bank, SSB has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Texas Heritage National Bank leads on 1 and First Federal Community Bank, SSB on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.