Side-by-side · Q2 2026 data
St. Martin National Bank vs Heritage Bank National Association
Metric by metric
| Measure | St. Martin National Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 100 (stronger) | 34 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 19 |
| Funding & liquidity | 100 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 46 |
| Peer percentile | 100th | 1st |
| Total assets | $29.4M | $361.1M |
| Deposits / shares | $25.0M | $286.3M |
| Capital ratio | 15.51% (stronger) | 10.81% |
| Problem loans | 0.00% (stronger) | 3.84% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.42% (stronger) | -0.02% |
| Loans ÷ deposits | 52.6% (stronger) | 105.7% |
| Uninsured deposits | 0.0% (stronger) | 12.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
St. Martin National Bank has the higher TellerScore (100 vs 34). On the 7 directional measures above (where higher or lower is clearly better), St. Martin National Bank leads on 7 and Heritage Bank National Association on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.