Bank Comparison
Amerifirst Bank vs Heritage Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.67% | 15.61% |
| Tier 1 Capital Ratio | 11.67% | 15.61% |
| Total Capital Ratio | 12.77% | 16.87% |
| Tier 1 Leverage Ratio | 9.33% | 10.60% |
| Equity / Assets | 9.23% | 10.48% |
Profitability
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.17% | -0.53% |
| Return on Equity (ROE) | 12.75% | -5.14% |
| Net Interest Margin (NIM) | 4.43% | 3.58% |
| Yield on Earning Assets | 6.00% | 5.58% |
| Cost of Funds | 1.66% | 2.16% |
Asset quality
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| Texas Ratio | 5.60% | 24.24% |
| Non-Performing Loan Ratio | 0.17% | 3.44% |
| Non-Performing Asset Ratio | 0.54% | 2.93% |
| Net Charge-Off Ratio | 0.19% | 0.10% |
| ACL / Loans | 1.13% | 2.03% |
Balance sheet
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| Total Assets | $360,613K | $360,782K |
| Total Deposits | $323,063K | $306,134K |
| Total Loans | $279,156K | $305,590K |
| Total Equity | $33,293K | $37,813K |
| Net Income (quarter) | $1,049K | $-491 |
Liquidity & funding
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 86.41% | 99.82% |
| Core Deposit Ratio | 81.84% | 96.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Amerifirst Bank | Heritage Bank, N.A. |
|---|---|---|
| Headquarters City | MONTGOMERY | SPICER |
| Headquarters State | AL | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15401 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 55 | 91 |
| Established | Jan. 2, 1916, midnight | Oct. 8, 1964, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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