Side-by-side · Q2 2026 data
Exchange Bank vs Heritage Bank
Metric by metric
| Measure | Exchange Bank | Heritage Bank |
|---|---|---|
| TellerScore | 54 | 86 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 58 | 74 (stronger) |
| Problem-loan coverage | 60 | 95 (stronger) |
| Peer percentile | 12th | 90th |
| Total assets | $1.6B | $611.6M |
| Deposits / shares | $1.2B | $420.5M |
| Capital ratio | 11.39% | 23.01% (stronger) |
| Problem loans | 3.49% | 1.18% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.13% | 2.58% (stronger) |
| Loans ÷ deposits | 88.0% | 70.5% (stronger) |
| Uninsured deposits | 27.5% (stronger) | 29.0% |
| Offices | 7 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Heritage Bank has the higher TellerScore (86 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank leads on 1 and Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.