Side-by-side · Q2 2026 data
American Heritage National Bank vs VersaBank USA National Association
Metric by metric
| Measure | American Heritage National Bank | VersaBank USA National Association |
|---|---|---|
| TellerScore | 80 | 89 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 74 (stronger) | 69 |
| Funding & liquidity | 60 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 77th | 94th |
| Total assets | $604.7M | $911.9M |
| Deposits / shares | $523.8M | $675.8M |
| Capital ratio | 11.89% | 22.46% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.36% (stronger) | 1.23% |
| Loans ÷ deposits | 83.3% (stronger) | 85.4% |
| Uninsured deposits | 29.7% | 0.0% (stronger) |
| Offices | 7 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
VersaBank USA National Association has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 4 and VersaBank USA National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.