Side-by-side · Q2 2026 data
Peoples Bank vs Heritage Bank
Metric by metric
| Measure | Peoples Bank | Heritage Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 83 (stronger) | 52 |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 58 | 62 (stronger) |
| Funding & liquidity | 49 | 52 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 86th | 49th |
| Total assets | $2.4B | $8.4B |
| Deposits / shares | $2.1B | $7.0B |
| Capital ratio | 13.27% (stronger) | 10.23% |
| Problem loans | 0.11% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.96% | 1.05% (stronger) |
| Loans ÷ deposits | 91.6% | 80.8% (stronger) |
| Uninsured deposits | 32.5% (stronger) | 39.1% |
| Offices | 23 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 36.1% |
Peoples Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 5 and Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.