Side-by-side · Q2 2026 data
Sherburne Bank vs Heritage Bank National Association
Metric by metric
| Measure | Sherburne Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 34 |
| Capital cushion | 45 | 58 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 100 (stronger) | 19 |
| Funding & liquidity | 63 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 46 |
| Peer percentile | 72nd | 1st |
| Total assets | $351.1M | $361.1M |
| Deposits / shares | $289.5M | $286.3M |
| Capital ratio | 9.46% | 10.81% (stronger) |
| Problem loans | 0.02% (stronger) | 3.84% |
| Net charge-offs | -0.03% (stronger) | 0.05% |
| Return on assets | 2.01% (stronger) | -0.02% |
| Loans ÷ deposits | 95.2% (stronger) | 105.7% |
| Uninsured deposits | 17.1% | 12.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 11.9% |
Sherburne Bank has the higher TellerScore (78 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Sherburne Bank leads on 5 and Heritage Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.