Bank Comparison
Heritage Community Bank vs First State Bank of Forrest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| CET1 Ratio | 9.84% | 11.42% |
| Tier 1 Capital Ratio | 9.84% | 11.42% |
| Total Capital Ratio | 11.09% | 12.48% |
| Tier 1 Leverage Ratio | 8.12% | 8.96% |
| Equity / Assets | 8.05% | 8.80% |
Profitability
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 0.85% |
| Return on Equity (ROE) | 16.02% | 9.61% |
| Net Interest Margin (NIM) | 4.03% | 3.57% |
| Yield on Earning Assets | 6.90% | 5.89% |
| Cost of Funds | 2.98% | 2.44% |
Asset quality
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| Texas Ratio | 17.97% | 17.34% |
| Non-Performing Loan Ratio | 1.86% | 0.99% |
| Non-Performing Asset Ratio | 1.64% | 0.85% |
| Net Charge-Off Ratio | 0.00% | 0.18% |
| ACL / Loans | 1.38% | 0.94% |
Balance sheet
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| Total Assets | $329,785K | $329,462K |
| Total Deposits | $280,622K | $279,904K |
| Total Loans | $291,169K | $279,254K |
| Total Equity | $26,550K | $29,008K |
| Net Income (quarter) | $1,066K | $700 |
Liquidity & funding
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| Loan-to-Deposit Ratio | 103.76% | 99.77% |
| Core Deposit Ratio | 89.41% | 90.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heritage Community Bank | First State Bank of Forrest |
|---|---|---|
| Headquarters City | UNION | FORREST |
| Headquarters State | MO | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 49 | 54 |
| Established | Aug. 19, 1935, midnight | Jan. 1, 1914, 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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