Side-by-side · Q2 2026 data
The First National Bank of Middle Tennessee vs Heritage South Community Credit Union
Bank
The First National Bank of Middle Tennessee
Mcminnville, Tennessee · $100 million – $1 billion
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Middle Tennessee | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 61 | 96 (stronger) |
| Funding & liquidity | 42 | 69 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $952.4M | $361.9M |
| Deposits / shares | $827.7M | $298.1M |
| Capital ratio | 10.03% | 17.08% (stronger) |
| Problem loans | 0.22% (stronger) | 0.75% |
| Net charge-offs | 0.24% (stronger) | 0.47% |
| Return on assets | 1.04% | 1.89% (stronger) |
| Loans ÷ deposits | 94.7% | 91.5% (stronger) |
| Uninsured deposits | 36.3% | 6.5% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Middle Tennessee leads on 2 and Heritage South Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.