Side-by-side · Q2 2026 data
The Citizens 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 | The Citizens Bank | First Community Bank of the Heartland, Inc. |
|---|---|---|
| TellerScore | 82 (stronger) | 56 |
| Capital cushion | 77 (stronger) | 31 |
| Loan quality | 89 (stronger) | 64 |
| Earnings | 89 (stronger) | 70 |
| Funding & liquidity | 63 (stronger) | 59 |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 82nd | 13th |
| Total assets | $220.4M | $506.0M |
| Deposits / shares | $193.7M | $446.3M |
| Capital ratio | 12.67% (stronger) | 8.12% |
| Problem loans | 0.34% (stronger) | 1.07% |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.73% (stronger) | 1.25% |
| Loans ÷ deposits | 85.2% (stronger) | 90.9% |
| Uninsured deposits | 26.0% | 24.1% (stronger) |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
The Citizens Bank has the higher TellerScore (82 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and First Community Bank of the Heartland, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.