Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs First Farmers & Merchants Bank
Metric by metric
| Measure | Heritage Bank Minnesota | First Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 23 | 51 (stronger) |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 54 | 74 (stronger) |
| Funding & liquidity | 71 | 79 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 14th | 68th |
| Total assets | $120.9M | $486.4M |
| Deposits / shares | $109.8M | $436.8M |
| Capital ratio | 7.27% | 10.09% (stronger) |
| Problem loans | 0.64% | 0.01% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.85% | 1.36% (stronger) |
| Loans ÷ deposits | 89.1% | 70.3% (stronger) |
| Uninsured deposits | 11.4% (stronger) | 24.7% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 10.4% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 1 and First Farmers & Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.