Side-by-side · Q2 2026 data
Guthrie County State Bank vs Midwest Heritage Bank, FSB
Metric by metric
| Measure | Guthrie County State Bank | Midwest Heritage Bank, FSB |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 73 | 78 (stronger) |
| Loan quality | 95 (stronger) | 41 |
| Earnings | 61 | 90 (stronger) |
| Funding & liquidity | 63 (stronger) | 57 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 68th | 37th |
| Total assets | $279.2M | $768.3M |
| Deposits / shares | $209.3M | $649.6M |
| Capital ratio | 12.33% | 12.82% (stronger) |
| Problem loans | 0.16% (stronger) | 1.78% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.02% | 1.75% (stronger) |
| Loans ÷ deposits | 75.1% (stronger) | 80.3% |
| Uninsured deposits | 35.4% (stronger) | 35.4% |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 18.2% |
Guthrie County State Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guthrie County State Bank leads on 5 and Midwest Heritage Bank, FSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.