Side-by-side · Q2 2026 data
The Cecilian Bank vs Heritage Bank, Inc.
Metric by metric
| Measure | The Cecilian Bank | Heritage Bank, Inc. |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 60 (stronger) | 40 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 87 (stronger) | 61 |
| Funding & liquidity | 66 | 71 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 83rd | 36th |
| Total assets | $1.6B | $2.0B |
| Deposits / shares | $1.3B | $1.8B |
| Capital ratio | 10.99% (stronger) | 9.01% |
| Problem loans | 0.40% (stronger) | 0.47% |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 1.67% (stronger) | 1.03% |
| Loans ÷ deposits | 79.5% | 67.1% (stronger) |
| Uninsured deposits | 28.6% (stronger) | 35.3% |
| Offices | 19 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
The Cecilian Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Cecilian Bank leads on 6 and Heritage Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.