Side-by-side · Q2 2026 data
Heritage Community Bank vs Midwest Independent BankersBank
Metric by metric
| Measure | Heritage Community Bank | Midwest Independent BankersBank |
|---|---|---|
| TellerScore | 59 | 83 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 77 (stronger) | 75 |
| Funding & liquidity | 52 (stronger) | 19 |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 17th | 84th |
| Total assets | $347.8M | $341.4M |
| Deposits / shares | $296.6M | $259.4M |
| Capital ratio | 8.30% | 15.26% (stronger) |
| Problem loans | 0.59% | 0.00% (stronger) |
| Net charge-offs | 0.17% | -0.07% (stronger) |
| Return on assets | 1.42% (stronger) | 1.38% |
| Loans ÷ deposits | 103.4% | 92.1% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 59.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
Midwest Independent BankersBank has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Heritage Community Bank leads on 2 and Midwest Independent BankersBank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.