Side-by-side · Q2 2026 data
Exchange Bank Co. vs Heritage Community Bank
Metric by metric
| Measure | Exchange Bank Co. | Heritage Community Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 59 |
| Capital cushion | 41 (stronger) | 33 |
| Loan quality | 56 | 80 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 93 (stronger) | 52 |
| Problem-loan coverage | 84 (stronger) | 63 |
| Peer percentile | 40th | 17th |
| Total assets | $341.5M | $347.8M |
| Deposits / shares | $306.1M | $296.6M |
| Capital ratio | 9.11% (stronger) | 8.30% |
| Problem loans | 1.33% | 0.59% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.17% |
| Return on assets | 2.01% (stronger) | 1.42% |
| Loans ÷ deposits | 67.4% (stronger) | 103.4% |
| Uninsured deposits | 12.4% (stronger) | 19.5% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Exchange Bank Co. has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank Co. leads on 6 and Heritage Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.