Side-by-side · Q2 2026 data
Heritage Bank vs Arbor Bank
Metric by metric
| Measure | Heritage Bank | Arbor Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 61 | 66 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 74 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 90th | 14th |
| Total assets | $611.6M | $701.7M |
| Deposits / shares | $420.5M | $607.8M |
| Capital ratio | 23.01% (stronger) | 8.69% |
| Problem loans | 1.18% | 1.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.58% (stronger) | 1.16% |
| Loans ÷ deposits | 70.5% (stronger) | 97.3% |
| Uninsured deposits | 29.0% | 25.7% (stronger) |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Heritage Bank has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 5 and Arbor Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.