Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs First State Bank of Bigfork
Metric by metric
| Measure | Heritage Bank Minnesota | First State Bank of Bigfork |
|---|---|---|
| TellerScore | 57 (stronger) | 46 |
| Capital cushion | 23 | 63 (stronger) |
| Loan quality | 79 (stronger) | 0 |
| Earnings | 54 | 64 (stronger) |
| Funding & liquidity | 71 | 81 (stronger) |
| Problem-loan coverage | 86 (stronger) | 25 |
| Peer percentile | 14th | 5th |
| Total assets | $120.9M | $117.4M |
| Deposits / shares | $109.8M | $101.3M |
| Capital ratio | 7.27% | 11.33% (stronger) |
| Problem loans | 0.64% (stronger) | 6.39% |
| Net charge-offs | 0.01% | -0.08% (stronger) |
| Return on assets | 0.85% | 1.10% (stronger) |
| Loans ÷ deposits | 89.1% | 78.8% (stronger) |
| Uninsured deposits | 11.4% | 11.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Heritage Bank Minnesota has the higher TellerScore (57 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 2 and First State Bank of Bigfork on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.