Side-by-side · Q2 2026 data
Mnb Bank vs Heritage Bank
Metric by metric
| Measure | Mnb Bank | Heritage Bank |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 95 (stronger) | 61 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 73 | 74 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 61st | 90th |
| Total assets | $594.1M | $611.6M |
| Deposits / shares | $494.9M | $420.5M |
| Capital ratio | 11.09% | 23.01% (stronger) |
| Problem loans | 0.15% (stronger) | 1.18% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.06% | 2.58% (stronger) |
| Loans ÷ deposits | 76.2% | 70.5% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 29.0% |
| Offices | 6 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Heritage Bank has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Mnb Bank leads on 2 and Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.