Side-by-side · Q2 2026 data
Patrons Bank, National Association vs American Heritage Bank
Metric by metric
| Measure | Patrons Bank, National Association | American Heritage Bank |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 58 (stronger) | 46 |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 63 (stronger) | 58 |
| Funding & liquidity | 79 | 84 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 40th | 63rd |
| Total assets | $314.5M | $1.5B |
| Deposits / shares | $275.4M | $1.2B |
| Capital ratio | 10.77% (stronger) | 9.57% |
| Problem loans | 0.80% | 0.21% (stronger) |
| Net charge-offs | -0.31% (stronger) | 0.11% |
| Return on assets | 1.08% (stronger) | 0.95% |
| Loans ÷ deposits | 68.2% | 42.8% (stronger) |
| Uninsured deposits | 27.2% (stronger) | 30.0% |
| Offices | 5 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
American Heritage Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Patrons Bank, National Association leads on 4 and American Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.