Side-by-side · Q2 2026 data
Bank of Frankewing vs Heritage Bank & Trust
Metric by metric
| Measure | Bank of Frankewing | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 41 | 65 (stronger) |
| Capital cushion | 63 (stronger) | 35 |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 33 | 71 (stronger) |
| Funding & liquidity | 85 (stronger) | 64 |
| Problem-loan coverage | 23 | 90 (stronger) |
| Peer percentile | 3rd | 29th |
| Total assets | $413.1M | $417.8M |
| Deposits / shares | $364.6M | $377.3M |
| Capital ratio | 11.25% (stronger) | 8.48% |
| Problem loans | 6.25% | 0.36% (stronger) |
| Net charge-offs | 0.94% | 0.00% (stronger) |
| Return on assets | 0.33% | 1.28% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 93.7% |
| Uninsured deposits | 11.1% (stronger) | 17.5% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
Heritage Bank & Trust has the higher TellerScore (65 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Bank of Frankewing leads on 3 and Heritage Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.