Side-by-side · Q2 2026 data
Heritage Bank vs Bank of the Valley
Metric by metric
| Measure | Heritage Bank | Bank of the Valley |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 61 | 98 (stronger) |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 74 (stronger) | 68 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 90th | 43rd |
| Total assets | $611.6M | $581.9M |
| Deposits / shares | $420.5M | $490.8M |
| Capital ratio | 23.01% (stronger) | 9.87% |
| Problem loans | 1.18% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.58% (stronger) | 0.87% |
| Loans ÷ deposits | 70.5% (stronger) | 91.8% |
| Uninsured deposits | 29.0% | 13.0% (stronger) |
| Offices | 15 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 4 and Bank of the Valley on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.