Side-by-side · Q2 2026 data
Citizens State Bank vs Heritage Bank
Metric by metric
| Measure | Citizens State Bank | Heritage Bank |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 93 (stronger) | 61 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 71 | 74 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 50th | 90th |
| Total assets | $653.0M | $611.6M |
| Deposits / shares | $592.2M | $420.5M |
| Capital ratio | 10.07% | 23.01% (stronger) |
| Problem loans | 0.20% (stronger) | 1.18% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.22% | 2.58% (stronger) |
| Loans ÷ deposits | 84.4% | 70.5% (stronger) |
| Uninsured deposits | 18.9% (stronger) | 29.0% |
| Offices | 10 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Heritage Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.