Side-by-side · Q2 2026 data
Minden Exchange Bank & Trust Company vs Heritage Bank
Metric by metric
| Measure | Minden Exchange Bank & Trust Company | Heritage Bank |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 59 | 61 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 76 (stronger) | 74 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 82nd | 90th |
| Total assets | $201.4M | $611.6M |
| Deposits / shares | $146.5M | $420.5M |
| Capital ratio | 19.84% | 23.01% (stronger) |
| Problem loans | 1.23% | 1.18% (stronger) |
| Net charge-offs | 0.53% | 0.00% (stronger) |
| Return on assets | 1.59% | 2.58% (stronger) |
| Loans ÷ deposits | 73.6% | 70.5% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 29.0% |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Minden Exchange Bank & Trust Company leads on 1 and Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.