Side-by-side · Q2 2026 data
Heritage Community Bank vs Putnam 1st Mercantile Bank
Metric by metric
| Measure | Heritage Community Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 53 | 67 (stronger) |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 55 | 97 (stronger) |
| Funding & liquidity | 65 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 47th | 82nd |
| Total assets | $184.4M | $178.9M |
| Deposits / shares | $152.1M | $159.8M |
| Capital ratio | 10.31% | 11.72% (stronger) |
| Problem loans | 0.03% (stronger) | 0.13% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 0.87% | 1.93% (stronger) |
| Loans ÷ deposits | 94.3% | 91.8% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 24.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam 1st Mercantile Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heritage Community Bank leads on 3 and Putnam 1st Mercantile Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.