Side-by-side · Q2 2026 data
West Point Bank vs Hearthside Bank Corporation
Metric by metric
| Measure | West Point Bank | Hearthside Bank Corporation |
|---|---|---|
| TellerScore | 57 | 68 (stronger) |
| Capital cushion | 35 | 51 (stronger) |
| Loan quality | 69 | 89 (stronger) |
| Earnings | 63 (stronger) | 54 |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 14th | 37th |
| Total assets | $560.6M | $608.9M |
| Deposits / shares | $475.7M | $547.9M |
| Capital ratio | 8.55% | 10.07% (stronger) |
| Problem loans | 0.93% | 0.32% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.08% (stronger) | 0.85% |
| Loans ÷ deposits | 92.7% | 82.4% (stronger) |
| Uninsured deposits | 22.3% (stronger) | 26.5% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 11.7% |
Hearthside Bank Corporation has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Point Bank leads on 2 and Hearthside Bank Corporation on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.