Bank Comparison
Ubank vs Heritage Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| CET1 Ratio | — | 14.43% |
| Tier 1 Capital Ratio | — | 14.43% |
| Total Capital Ratio | — | 15.68% |
| Tier 1 Leverage Ratio | 13.33% | 10.11% |
| Equity / Assets | 13.00% | 10.04% |
Profitability
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 0.72% |
| Return on Equity (ROE) | 9.12% | 7.14% |
| Net Interest Margin (NIM) | 4.10% | 3.89% |
| Yield on Earning Assets | 6.14% | 6.16% |
| Cost of Funds | 2.32% | 2.38% |
Asset quality
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| Texas Ratio | 3.57% | 0.06% |
| Non-Performing Loan Ratio | 0.66% | 0.01% |
| Non-Performing Asset Ratio | 0.50% | 0.01% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 1.47% | 1.28% |
Balance sheet
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| Total Assets | $180,128K | $180,818K |
| Total Deposits | $155,852K | $151,725K |
| Total Loans | $138,328K | $150,832K |
| Total Equity | $23,414K | $18,153K |
| Net Income (quarter) | $534 | $323 |
Liquidity & funding
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.76% | 99.41% |
| Core Deposit Ratio | 87.31% | 92.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ubank | Heritage Community Bank |
|---|---|---|
| Headquarters City | KNOXVILLE | GREENEVILLE |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 22 | 33 |
| Established | Jan. 1, 1918, 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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