Side-by-side · Q2 2026 data
Town & Country Bank vs Heritage Community Bank
Metric by metric
| Measure | Town & Country Bank | Heritage Community Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 74 (stronger) | 33 |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 83 (stronger) | 52 |
| Problem-loan coverage | 96 (stronger) | 63 |
| Peer percentile | 90th | 17th |
| Total assets | $747.7M | $347.8M |
| Deposits / shares | $642.2M | $296.6M |
| Capital ratio | 12.37% (stronger) | 8.30% |
| Problem loans | 0.35% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 2.53% (stronger) | 1.42% |
| Loans ÷ deposits | 77.3% (stronger) | 103.4% |
| Uninsured deposits | 14.2% (stronger) | 19.5% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 1.3% |
Town & Country Bank has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 7 and Heritage Community Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Pevely, MO