Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs Key Community Bank
Metric by metric
| Measure | Heritage Bank Minnesota | Key Community Bank |
|---|---|---|
| TellerScore | 57 | 57 |
| Capital cushion | 23 | 57 (stronger) |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 54 (stronger) | 16 |
| Funding & liquidity | 71 (stronger) | 30 |
| Problem-loan coverage | 86 (stronger) | 67 |
| Peer percentile | 14th | 14th |
| Total assets | $120.9M | $121.0M |
| Deposits / shares | $109.8M | $107.6M |
| Capital ratio | 7.27% | 10.66% (stronger) |
| Problem loans | 0.64% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 1.36% |
| Return on assets | 0.85% (stronger) | -0.11% |
| Loans ÷ deposits | 89.1% (stronger) | 95.8% |
| Uninsured deposits | 11.4% (stronger) | 45.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 4 and Key Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.