Side-by-side · Q2 2026 data
Global Innovations Bank vs Heritage Bank Minnesota
Metric by metric
| Measure | Global Innovations Bank | Heritage Bank Minnesota |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 35 (stronger) | 23 |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 75 (stronger) | 54 |
| Funding & liquidity | 68 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 43rd | 14th |
| Total assets | $120.1M | $120.9M |
| Deposits / shares | $109.4M | $109.8M |
| Capital ratio | 8.47% (stronger) | 7.27% |
| Problem loans | 0.03% (stronger) | 0.64% |
| Net charge-offs | -0.02% (stronger) | 0.01% |
| Return on assets | 1.37% (stronger) | 0.85% |
| Loans ÷ deposits | 72.1% (stronger) | 89.1% |
| Uninsured deposits | 32.8% | 11.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Global Innovations Bank has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Global Innovations Bank leads on 6 and Heritage Bank Minnesota on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.