Side-by-side · Q2 2026 data
Bank of Elgin vs Heritage Bank
Metric by metric
| Measure | Bank of Elgin | Heritage Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 86 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 100 | 100 |
| Funding & liquidity | 78 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 92nd | 90th |
| Total assets | $87.3M | $611.6M |
| Deposits / shares | $74.7M | $420.5M |
| Capital ratio | 13.54% | 23.01% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.34% | 2.58% (stronger) |
| Loans ÷ deposits | 76.7% | 70.5% (stronger) |
| Uninsured deposits | 20.5% (stronger) | 29.0% |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Elgin has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Bank of Elgin leads on 4 and Heritage Bank on 3. 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.