Side-by-side · Q2 2026 data
Harvest Bank vs Heritage Bank National Association
Metric by metric
| Measure | Harvest Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 63 (stronger) | 34 |
| Capital cushion | 42 | 58 (stronger) |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 61 (stronger) | 19 |
| Funding & liquidity | 83 (stronger) | 55 |
| Problem-loan coverage | 74 (stronger) | 46 |
| Peer percentile | 24th | 1st |
| Total assets | $355.1M | $361.1M |
| Deposits / shares | $323.4M | $286.3M |
| Capital ratio | 9.15% | 10.81% (stronger) |
| Problem loans | 0.80% (stronger) | 3.84% |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.03% (stronger) | -0.02% |
| Loans ÷ deposits | 75.4% (stronger) | 105.7% |
| Uninsured deposits | 16.6% | 12.6% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 11.9% |
Harvest Bank has the higher TellerScore (63 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Harvest Bank leads on 5 and Heritage Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.