Side-by-side · Q2 2026 data
Patriot Bank vs Heritage Bank & Trust
Metric by metric
| Measure | Patriot Bank | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 54 | 65 (stronger) |
| Capital cushion | 49 (stronger) | 35 |
| Loan quality | 51 | 88 (stronger) |
| Earnings | 35 | 71 (stronger) |
| Funding & liquidity | 78 (stronger) | 64 |
| Problem-loan coverage | 83 | 90 (stronger) |
| Peer percentile | 10th | 29th |
| Total assets | $451.2M | $417.8M |
| Deposits / shares | $402.3M | $377.3M |
| Capital ratio | 9.89% (stronger) | 8.48% |
| Problem loans | 1.47% | 0.36% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.38% | 1.28% (stronger) |
| Loans ÷ deposits | 62.8% (stronger) | 93.7% |
| Uninsured deposits | 32.1% | 17.5% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Heritage Bank & Trust has the higher TellerScore (65 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Patriot Bank leads on 3 and Heritage Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.