Side-by-side · Q2 2026 data
South Central State Bank vs Heritage Bank
Metric by metric
| Measure | South Central State Bank | Heritage Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 100 | 100 |
| Funding & liquidity | 71 | 74 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 99th | 90th |
| Total assets | $192.1M | $611.6M |
| Deposits / shares | $153.6M | $420.5M |
| Capital ratio | 15.15% | 23.01% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 2.40% | 2.58% (stronger) |
| Loans ÷ deposits | 84.8% | 70.5% (stronger) |
| Uninsured deposits | 18.9% (stronger) | 29.0% |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central State Bank has the higher TellerScore (96 vs 86). On the 7 directional measures above (where higher or lower is clearly better), South Central State Bank leads on 3 and Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Red Cloud, NE