Bank Comparison
Slovenian Savings & Loan Association of Franklin-conemaugh vs Heritage Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| CET1 Ratio | — | 14.43% |
| Tier 1 Capital Ratio | — | 14.43% |
| Total Capital Ratio | — | 15.68% |
| Tier 1 Leverage Ratio | 9.89% | 10.11% |
| Equity / Assets | 6.55% | 10.04% |
Profitability
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 0.72% |
| Return on Equity (ROE) | 1.57% | 7.14% |
| Net Interest Margin (NIM) | 2.18% | 3.89% |
| Yield on Earning Assets | 3.94% | 6.16% |
| Cost of Funds | 1.86% | 2.38% |
Asset quality
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| Texas Ratio | 6.93% | 0.06% |
| Non-Performing Loan Ratio | 0.00% | 0.01% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | 0.01% | 0.01% |
| ACL / Loans | 0.24% | 1.28% |
Balance sheet
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| Total Assets | $180,992K | $180,818K |
| Total Deposits | $168,232K | $151,725K |
| Total Loans | $118,986K | $150,832K |
| Total Equity | $11,849K | $18,153K |
| Net Income (quarter) | $47 | $323 |
Liquidity & funding
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.73% | 99.41% |
| Core Deposit Ratio | 91.11% | 92.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Slovenian Savings & Loan Association of Franklin-conemaugh | Heritage Community Bank |
|---|---|---|
| Headquarters City | JOHNSTOWN | GREENEVILLE |
| Headquarters State | PA | TN |
| Asset Tier | Small | Small |
| Charter Class | 707703 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 31 | 33 |
| Established | Jan. 1, 1915, 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.
View full Slovenian Savings & Loan Association of Franklin-conemaugh profile | View full Heritage Community Bank profile | Browse all bank comparisons