Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs Mid-Central National Bank
Metric by metric
| Measure | Heritage Bank Minnesota | Mid-Central National Bank |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 23 | 99 (stronger) |
| Loan quality | 79 (stronger) | 75 |
| Earnings | 54 (stronger) | 44 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 86 | 94 (stronger) |
| Peer percentile | 14th | 68th |
| Total assets | $120.9M | $117.1M |
| Deposits / shares | $109.8M | $94.9M |
| Capital ratio | 7.27% | 14.91% (stronger) |
| Problem loans | 0.64% (stronger) | 0.76% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.85% (stronger) | 0.60% |
| Loans ÷ deposits | 89.1% (stronger) | 93.2% |
| Uninsured deposits | 11.4% | 3.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Mid-Central National 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 3 and Mid-Central National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.