Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Gateway Commercial Bank
Metric by metric
| Measure | Southwest Heritage Bank | Gateway Commercial Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 84 (stronger) | 70 |
| Loan quality | 78 (stronger) | 59 |
| Earnings | 56 | 78 (stronger) |
| Funding & liquidity | 50 | 55 (stronger) |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 53rd | 37th |
| Total assets | $892.8M | $231.4M |
| Deposits / shares | $753.6M | $190.7M |
| Capital ratio | 13.36% (stronger) | 12.00% |
| Problem loans | 0.67% (stronger) | 1.24% |
| Net charge-offs | 0.29% | -0.00% (stronger) |
| Return on assets | 0.90% | 1.44% (stronger) |
| Loans ÷ deposits | 92.7% | 78.5% (stronger) |
| Uninsured deposits | 30.8% (stronger) | 39.3% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 4 and Gateway Commercial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.