Side-by-side · Q2 2026 data
Goppert State Service Bank vs Heritage Bank
Metric by metric
| Measure | Goppert State Service Bank | Heritage Bank |
|---|---|---|
| TellerScore | 57 | 64 (stronger) |
| Capital cushion | 43 | 49 (stronger) |
| Loan quality | 42 | 57 (stronger) |
| Earnings | 79 | 90 (stronger) |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 69 | 85 (stronger) |
| Peer percentile | 14th | 26th |
| Total assets | $345.3M | $324.9M |
| Deposits / shares | $311.6M | $278.6M |
| Capital ratio | 9.28% | 9.94% (stronger) |
| Problem loans | 1.74% | 1.28% (stronger) |
| Net charge-offs | 0.47% | -0.00% (stronger) |
| Return on assets | 1.48% | 1.74% (stronger) |
| Loans ÷ deposits | 82.7% (stronger) | 84.2% |
| Uninsured deposits | 21.5% (stronger) | 34.7% |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (64 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Goppert State Service Bank leads on 2 and Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.