Bank Comparison
Hearthside Bank Corporation vs First United Bank and Trust Company, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| CET1 Ratio | 13.95% | 13.62% |
| Tier 1 Capital Ratio | 13.95% | 13.62% |
| Total Capital Ratio | 15.20% | 14.72% |
| Tier 1 Leverage Ratio | 10.05% | 9.19% |
| Equity / Assets | 8.99% | 5.84% |
Profitability
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.35% |
| Return on Equity (ROE) | 8.73% | 23.98% |
| Net Interest Margin (NIM) | 3.81% | 3.71% |
| Yield on Earning Assets | 5.72% | 5.52% |
| Cost of Funds | 2.06% | 1.90% |
Asset quality
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| Texas Ratio | 2.38% | 3.07% |
| Non-Performing Loan Ratio | 0.30% | 0.29% |
| Non-Performing Asset Ratio | 0.24% | 0.20% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.21% | 1.13% |
Balance sheet
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| Total Assets | $591,133K | $605,623K |
| Total Deposits | $530,083K | $540,641K |
| Total Loans | $453,390K | $405,234K |
| Total Equity | $53,152K | $35,392K |
| Net Income (quarter) | $1,157K | $2,083K |
Liquidity & funding
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 85.53% | 74.95% |
| Core Deposit Ratio | 86.73% | 93.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hearthside Bank Corporation | First United Bank and Trust Company, INC. |
|---|---|---|
| Headquarters City | MIDDLESBORO | MADISONVILLE |
| Headquarters State | KY | KY |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 7 |
| Employees (FTE) | 101 | 108 |
| Established | Jan. 1, 1920, midnight | March 29, 1996, 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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