Bank Comparison
Heritage Community Bank vs Putnam 1st Mercantile Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| CET1 Ratio | 14.43% | — |
| Tier 1 Capital Ratio | 14.43% | — |
| Total Capital Ratio | 15.68% | — |
| Tier 1 Leverage Ratio | 10.11% | 11.68% |
| Equity / Assets | 10.04% | 9.35% |
Profitability
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 1.78% |
| Return on Equity (ROE) | 7.14% | 19.34% |
| Net Interest Margin (NIM) | 3.89% | 3.93% |
| Yield on Earning Assets | 6.16% | 6.25% |
| Cost of Funds | 2.38% | 2.60% |
Asset quality
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| Texas Ratio | 0.06% | 1.71% |
| Non-Performing Loan Ratio | 0.01% | 0.00% |
| Non-Performing Asset Ratio | 0.01% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.28% | 1.59% |
Balance sheet
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| Total Assets | $180,818K | $176,704K |
| Total Deposits | $151,725K | $158,348K |
| Total Loans | $150,832K | $142,971K |
| Total Equity | $18,153K | $16,524K |
| Net Income (quarter) | $323 | $793 |
Liquidity & funding
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.41% | 90.29% |
| Core Deposit Ratio | 92.15% | 78.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| Headquarters City | GREENEVILLE | COOKEVILLE |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 33 | 26 |
| Established | Dec. 3, 2003, midnight | Nov. 28, 2005, 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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