Bank Comparison
Continental Bank vs Heritage Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| CET1 Ratio | 18.83% | 14.43% |
| Tier 1 Capital Ratio | 18.83% | 14.43% |
| Total Capital Ratio | 20.09% | 15.68% |
| Tier 1 Leverage Ratio | 15.56% | 10.11% |
| Equity / Assets | 15.79% | 10.04% |
Profitability
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 0.72% |
| Return on Equity (ROE) | 12.10% | 7.14% |
| Net Interest Margin (NIM) | 4.86% | 3.89% |
| Yield on Earning Assets | 6.75% | 6.16% |
| Cost of Funds | 2.25% | 2.38% |
Asset quality
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| Texas Ratio | 10.06% | 0.06% |
| Non-Performing Loan Ratio | 2.03% | 0.01% |
| Non-Performing Asset Ratio | 1.63% | 0.01% |
| Net Charge-Off Ratio | 0.01% | 0.01% |
| ACL / Loans | 1.93% | 1.28% |
Balance sheet
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| Total Assets | $180,667K | $180,818K |
| Total Deposits | $144,545K | $151,725K |
| Total Loans | $145,318K | $150,832K |
| Total Equity | $28,536K | $18,153K |
| Net Income (quarter) | $850 | $323 |
Liquidity & funding
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.53% | 99.41% |
| Core Deposit Ratio | 99.80% | 92.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Continental Bank | Heritage Community Bank |
|---|---|---|
| Headquarters City | SALT LAKE CITY | GREENEVILLE |
| Headquarters State | UT | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 36 | 33 |
| Established | Nov. 3, 2003, midnight | Dec. 3, 2003, 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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