Side-by-side · Q2 2026 data
American Heritage National Bank vs Pine Country Bank
Metric by metric
| Measure | American Heritage National Bank | Pine Country Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 69 (stronger) | 52 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 74 | 76 (stronger) |
| Funding & liquidity | 60 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 77th | 72nd |
| Total assets | $604.7M | $380.3M |
| Deposits / shares | $523.8M | $335.1M |
| Capital ratio | 11.89% (stronger) | 10.24% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.36% | 1.40% (stronger) |
| Loans ÷ deposits | 83.3% | 72.3% (stronger) |
| Uninsured deposits | 29.7% | 17.5% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 9.1% |
American Heritage National Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 4 and Pine Country Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.