Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs American Heritage Bank
Metric by metric
| Measure | The James Polk Stone Community Bank | American Heritage Bank |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 50 | 61 (stronger) |
| Loan quality | 53 | 93 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 59 | 88 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 31st | 84th |
| Total assets | $443.8M | $153.2M |
| Deposits / shares | $379.3M | $137.2M |
| Capital ratio | 9.98% | 11.09% (stronger) |
| Problem loans | 1.41% | 0.22% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 1.85% |
| Loans ÷ deposits | 54.1% | 52.1% (stronger) |
| Uninsured deposits | 51.9% | 26.2% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Heritage Bank has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 1 and American Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.