Side-by-side · Q2 2026 data
Bank of Clarks vs Heritage Bank
Metric by metric
| Measure | Bank of Clarks | Heritage Bank |
|---|---|---|
| TellerScore | 37 | 86 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 31 | 100 (stronger) |
| Funding & liquidity | 71 | 74 (stronger) |
| Problem-loan coverage | 56 | 95 (stronger) |
| Peer percentile | 3rd | 90th |
| Total assets | $58.5M | $611.6M |
| Deposits / shares | $49.2M | $420.5M |
| Capital ratio | 9.79% | 23.01% (stronger) |
| Problem loans | 3.20% | 1.18% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.29% | 2.58% (stronger) |
| Loans ÷ deposits | 88.8% | 70.5% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 29.0% |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 37). On the 7 directional measures above (where higher or lower is clearly better), Bank of Clarks leads on 1 and Heritage Bank on 6. 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.