Side-by-side · Q2 2026 data
Heritage Bank vs Madison County Bank
Metric by metric
| Measure | Heritage Bank | Madison County Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 61 | 88 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 74 (stronger) | 56 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 90th | 88th |
| Total assets | $611.6M | $613.2M |
| Deposits / shares | $420.5M | $479.2M |
| Capital ratio | 23.01% (stronger) | 15.11% |
| Problem loans | 1.18% | 0.37% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.58% (stronger) | 1.33% |
| Loans ÷ deposits | 70.5% (stronger) | 94.9% |
| Uninsured deposits | 29.0% | 23.4% (stronger) |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 4 and Madison County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.