Side-by-side · Q2 2026 data
State Bank of Scotia vs Heritage Bank
Metric by metric
| Measure | State Bank of Scotia | Heritage Bank |
|---|---|---|
| TellerScore | 59 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 36 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 18th | 90th |
| Total assets | $61.0M | $611.6M |
| Deposits / shares | $48.6M | $420.5M |
| Capital ratio | 19.87% | 23.01% (stronger) |
| Problem loans | 7.84% | 1.18% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 0.40% | 2.58% (stronger) |
| Loans ÷ deposits | 53.7% (stronger) | 70.5% |
| Uninsured deposits | 14.2% (stronger) | 29.0% |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Scotia leads on 2 and Heritage Bank on 5. 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.