Side-by-side · Q2 2026 data
The Bank of Versailles vs Heritage Community Bank
Metric by metric
| Measure | The Bank of Versailles | Heritage Community Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 89 (stronger) | 77 |
| Funding & liquidity | 41 | 52 (stronger) |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 94th | 17th |
| Total assets | $359.0M | $347.8M |
| Deposits / shares | $257.0M | $296.6M |
| Capital ratio | 14.99% (stronger) | 8.30% |
| Problem loans | 0.03% (stronger) | 0.59% |
| Net charge-offs | -0.00% (stronger) | 0.17% |
| Return on assets | 1.71% (stronger) | 1.42% |
| Loans ÷ deposits | 122.1% | 103.4% (stronger) |
| Uninsured deposits | 23.0% | 19.5% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
The Bank of Versailles has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Versailles leads on 5 and Heritage Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.