Side-by-side · Q2 2026 data
ACB Bank vs Wisdom Heritage Bank
Metric by metric
| Measure | ACB Bank | Wisdom Heritage Bank |
|---|---|---|
| TellerScore | 64 | 78 (stronger) |
| Capital cushion | 72 | 92 (stronger) |
| Loan quality | 41 | 57 (stronger) |
| Earnings | 76 (stronger) | 63 |
| Funding & liquidity | 61 | 95 (stronger) |
| Problem-loan coverage | 80 | 90 (stronger) |
| Peer percentile | 26th | 72nd |
| Total assets | $135.5M | $601.3M |
| Deposits / shares | $114.8M | $505.8M |
| Capital ratio | 12.24% | 14.22% (stronger) |
| Problem loans | 1.77% | 1.28% (stronger) |
| Net charge-offs | 1.06% | -0.09% (stronger) |
| Return on assets | 1.40% (stronger) | 1.06% |
| Loans ÷ deposits | 88.4% | 59.4% (stronger) |
| Uninsured deposits | 24.2% | 19.3% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wisdom Heritage Bank has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), ACB Bank leads on 1 and Wisdom Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.