Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs Premier Bank Minnesota
Metric by metric
| Measure | Heritage Bank Minnesota | Premier Bank Minnesota |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 23 | 50 (stronger) |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 54 | 97 (stronger) |
| Funding & liquidity | 71 (stronger) | 55 |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 14th | 68th |
| Total assets | $120.9M | $691.5M |
| Deposits / shares | $109.8M | $620.1M |
| Capital ratio | 7.27% | 10.02% (stronger) |
| Problem loans | 0.64% | 0.04% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.85% | 1.93% (stronger) |
| Loans ÷ deposits | 89.1% | 86.9% (stronger) |
| Uninsured deposits | 11.4% (stronger) | 31.6% |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 14.9% |
Premier Bank Minnesota 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 Premier Bank Minnesota on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Northfield, MN