Side-by-side · Q2 2026 data
Dakota Heritage Bank vs The Bank of Tioga
Metric by metric
| Measure | Dakota Heritage Bank | The Bank of Tioga |
|---|---|---|
| TellerScore | 63 | 63 |
| Capital cushion | 48 (stronger) | 44 |
| Loan quality | 46 | 62 (stronger) |
| Earnings | 98 (stronger) | 73 |
| Funding & liquidity | 66 | 85 (stronger) |
| Problem-loan coverage | 74 (stronger) | 68 |
| Peer percentile | 24th | 24th |
| Total assets | $416.8M | $412.1M |
| Deposits / shares | $366.8M | $396.6M |
| Capital ratio | 9.83% (stronger) | 9.39% |
| Problem loans | 1.62% | 1.15% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 1.96% (stronger) | 1.32% |
| Loans ÷ deposits | 93.4% | 34.0% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 28.3% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Dakota Heritage Bank leads on 4 and The Bank of Tioga on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.