Side-by-side · Q2 2026 data
Lineage Bank vs Heritage Community Bank
Metric by metric
| Measure | Lineage Bank | Heritage Community Bank |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 61 | 99 (stronger) |
| Earnings | 0 | 55 (stronger) |
| Funding & liquidity | 83 (stronger) | 65 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 34th | 47th |
| Total assets | $197.7M | $184.4M |
| Deposits / shares | $170.6M | $152.1M |
| Capital ratio | 15.18% (stronger) | 10.31% |
| Problem loans | 1.18% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | -5.11% | 0.87% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 94.3% |
| Uninsured deposits | 20.0% | 15.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Heritage Community Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Lineage Bank leads on 3 and Heritage Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.