Side-by-side · Q2 2026 data
Five Points Bank of Hastings vs Heritage Bank
Metric by metric
| Measure | Five Points Bank of Hastings | Heritage Bank |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 96 (stronger) | 61 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 69 | 74 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 50th | 90th |
| Total assets | $551.7M | $611.6M |
| Deposits / shares | $488.6M | $420.5M |
| Capital ratio | 10.94% | 23.01% (stronger) |
| Problem loans | 0.11% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.80% | 2.58% (stronger) |
| Loans ÷ deposits | 51.4% (stronger) | 70.5% |
| Uninsured deposits | 43.0% | 29.0% (stronger) |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Five Points Bank of Hastings leads on 3 and Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.