Side-by-side · Q2 2026 data
American Heritage National Bank vs State Bank of Cold Spring
Metric by metric
| Measure | American Heritage National Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 69 (stronger) | 51 |
| Loan quality | 100 (stronger) | 47 |
| Earnings | 74 | 84 (stronger) |
| Funding & liquidity | 60 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 77th | 28th |
| Total assets | $604.7M | $81.7M |
| Deposits / shares | $523.8M | $73.8M |
| Capital ratio | 11.89% (stronger) | 10.06% |
| Problem loans | 0.00% (stronger) | 1.60% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.36% | 1.60% (stronger) |
| Loans ÷ deposits | 83.3% | 63.9% (stronger) |
| Uninsured deposits | 29.7% | 17.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
American Heritage National Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 3 and State Bank of Cold Spring on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.