Side-by-side · Q2 2026 data
Kaw Valley State Bank and Trust Company vs Heritage Bank
Metric by metric
| Measure | Kaw Valley State Bank and Trust Company | Heritage Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 64 |
| Capital cushion | 67 (stronger) | 49 |
| Loan quality | 97 (stronger) | 57 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 88th | 26th |
| Total assets | $295.8M | $324.9M |
| Deposits / shares | $250.6M | $278.6M |
| Capital ratio | 11.73% (stronger) | 9.94% |
| Problem loans | 0.08% (stronger) | 1.28% |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 2.17% (stronger) | 1.74% |
| Loans ÷ deposits | 76.9% (stronger) | 84.2% |
| Uninsured deposits | 27.0% (stronger) | 34.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Kaw Valley State Bank and Trust Company has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Kaw Valley State Bank and Trust Company leads on 7 and Heritage Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.