Side-by-side · Q2 2026 data
First Bank Elk River vs Heritage Bank National Association
Metric by metric
| Measure | First Bank Elk River | Heritage Bank National Association |
|---|---|---|
| TellerScore | 64 (stronger) | 34 |
| Capital cushion | 57 | 58 (stronger) |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 43 (stronger) | 19 |
| Funding & liquidity | 55 | 55 |
| Problem-loan coverage | 91 (stronger) | 46 |
| Peer percentile | 26th | 1st |
| Total assets | $369.2M | $361.1M |
| Deposits / shares | $269.9M | $286.3M |
| Capital ratio | 10.68% | 10.81% (stronger) |
| Problem loans | 0.53% (stronger) | 3.84% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.57% (stronger) | -0.02% |
| Loans ÷ deposits | 100.8% (stronger) | 105.7% |
| Uninsured deposits | 18.5% | 12.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 11.9% |
First Bank Elk River has the higher TellerScore (64 vs 34). On the 7 directional measures above (where higher or lower is clearly better), First Bank Elk River leads on 5 and Heritage Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.