Side-by-side · Q2 2026 data
Elkhorn Valley Bank & Trust vs Heritage Bank
Metric by metric
| Measure | Elkhorn Valley Bank & Trust | Heritage Bank |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 87 (stronger) | 61 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 64 | 74 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 63rd | 90th |
| Total assets | $1.5B | $611.6M |
| Deposits / shares | $1.1B | $420.5M |
| Capital ratio | 10.49% | 23.01% (stronger) |
| Problem loans | 0.39% (stronger) | 1.18% |
| Net charge-offs | 0.37% | 0.00% (stronger) |
| Return on assets | 1.25% | 2.58% (stronger) |
| Loans ÷ deposits | 95.8% | 70.5% (stronger) |
| Uninsured deposits | 12.2% (stronger) | 29.0% |
| Offices | 8 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Elkhorn Valley Bank & Trust leads on 2 and Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.