Side-by-side · Q2 2026 data
Granite Bank vs Heritage Bank National Association
Metric by metric
| Measure | Granite Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 53 (stronger) | 34 |
| Capital cushion | 35 | 58 (stronger) |
| Loan quality | 54 (stronger) | 0 |
| Earnings | 75 (stronger) | 19 |
| Funding & liquidity | 46 | 55 (stronger) |
| Problem-loan coverage | 74 (stronger) | 46 |
| Peer percentile | 9th | 1st |
| Total assets | $353.2M | $361.1M |
| Deposits / shares | $289.3M | $286.3M |
| Capital ratio | 8.53% | 10.81% (stronger) |
| Problem loans | 1.38% (stronger) | 3.84% |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.37% (stronger) | -0.02% |
| Loans ÷ deposits | 107.7% | 105.7% (stronger) |
| Uninsured deposits | 21.1% | 12.6% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 11.9% |
Granite Bank has the higher TellerScore (53 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Granite Bank leads on 4 and Heritage Bank National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.