Side-by-side · Q2 2026 data
Horizon Bank vs Heritage Bank
Metric by metric
| Measure | Horizon Bank | Heritage Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 86 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 85 (stronger) | 61 |
| Earnings | 100 | 100 |
| Funding & liquidity | 59 | 74 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 91st | 90th |
| Total assets | $574.3M | $611.6M |
| Deposits / shares | $474.9M | $420.5M |
| Capital ratio | 13.96% | 23.01% (stronger) |
| Problem loans | 0.46% (stronger) | 1.18% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.95% (stronger) | 2.58% |
| Loans ÷ deposits | 84.0% | 70.5% (stronger) |
| Uninsured deposits | 30.8% | 29.0% (stronger) |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 3 and Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.