Side-by-side · Q2 2026 data
The Denison State Bank vs Heritage Bank
Metric by metric
| Measure | The Denison State Bank | Heritage Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 64 (stronger) | 57 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 78 (stronger) | 54 |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 91st | 26th |
| Total assets | $453.6M | $324.9M |
| Deposits / shares | $369.3M | $278.6M |
| Capital ratio | 17.53% (stronger) | 9.94% |
| Problem loans | 1.08% (stronger) | 1.28% |
| Net charge-offs | 0.81% | -0.00% (stronger) |
| Return on assets | 2.00% (stronger) | 1.74% |
| Loans ÷ deposits | 81.4% (stronger) | 84.2% |
| Uninsured deposits | 16.0% (stronger) | 34.7% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | — |
The Denison State Bank has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Denison State Bank leads on 6 and Heritage Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.