Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs State Bank of New Richland
Metric by metric
| Measure | Heritage Bank Minnesota | State Bank of New Richland |
|---|---|---|
| TellerScore | 57 | 73 (stronger) |
| Capital cushion | 23 | 50 (stronger) |
| Loan quality | 79 | 90 (stronger) |
| Earnings | 54 | 99 (stronger) |
| Funding & liquidity | 71 (stronger) | 41 |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 14th | 53rd |
| Total assets | $120.9M | $124.2M |
| Deposits / shares | $109.8M | $81.0M |
| Capital ratio | 7.27% | 9.96% (stronger) |
| Problem loans | 0.64% | 0.29% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.85% | 1.97% (stronger) |
| Loans ÷ deposits | 89.1% (stronger) | 134.9% |
| Uninsured deposits | 11.4% (stronger) | 23.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
State Bank of New Richland has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 2 and State Bank of New Richland on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.