Side-by-side · Q2 2026 data
Granite Bank vs American Heritage National Bank
Metric by metric
| Measure | Granite Bank | American Heritage National Bank |
|---|---|---|
| TellerScore | 53 | 80 (stronger) |
| Capital cushion | 35 | 69 (stronger) |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 75 (stronger) | 74 |
| Funding & liquidity | 46 | 60 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 9th | 77th |
| Total assets | $353.2M | $604.7M |
| Deposits / shares | $289.3M | $523.8M |
| Capital ratio | 8.53% | 11.89% (stronger) |
| Problem loans | 1.38% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 1.36% |
| Loans ÷ deposits | 107.7% | 83.3% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 29.7% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 4.4% |
American Heritage National Bank has the higher TellerScore (80 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Granite Bank leads on 2 and American Heritage National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.