Side-by-side · Q2 2026 data
Citizens Bank vs Heritage Community Bank
Metric by metric
| Measure | Citizens Bank | Heritage Community Bank |
|---|---|---|
| TellerScore | 54 | 59 (stronger) |
| Capital cushion | 81 (stronger) | 33 |
| Loan quality | 2 | 80 (stronger) |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 52 | 52 |
| Problem-loan coverage | 65 (stronger) | 63 |
| Peer percentile | 10th | 17th |
| Total assets | $357.4M | $347.8M |
| Deposits / shares | $305.4M | $296.6M |
| Capital ratio | 13.10% (stronger) | 8.30% |
| Problem loans | 2.95% | 0.59% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.33% | 1.42% (stronger) |
| Loans ÷ deposits | 101.2% (stronger) | 103.4% |
| Uninsured deposits | 21.3% | 19.5% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Heritage Community Bank has the higher TellerScore (59 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and Heritage Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.