Side-by-side · Q2 2026 data
Centera Bank vs Heritage Bank
Metric by metric
| Measure | Centera Bank | Heritage Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 46 | 49 (stronger) |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 85 | 90 (stronger) |
| Funding & liquidity | 84 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 72nd | 26th |
| Total assets | $318.1M | $324.9M |
| Deposits / shares | $290.5M | $278.6M |
| Capital ratio | 9.59% | 9.94% (stronger) |
| Problem loans | 0.01% (stronger) | 1.28% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.63% | 1.74% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 84.2% |
| Uninsured deposits | 29.6% (stronger) | 34.7% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centera Bank has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Centera Bank leads on 4 and Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.