Side-by-side · Q2 2026 data
Timberland Bank vs Heritage Bank
Metric by metric
| Measure | Timberland Bank | Heritage Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 79 (stronger) | 52 |
| Loan quality | 81 | 91 (stronger) |
| Earnings | 79 (stronger) | 62 |
| Funding & liquidity | 62 (stronger) | 52 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 86th | 49th |
| Total assets | $2.1B | $8.4B |
| Deposits / shares | $1.8B | $7.0B |
| Capital ratio | 12.85% (stronger) | 10.23% |
| Problem loans | 0.56% | 0.27% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.47% (stronger) | 1.05% |
| Loans ÷ deposits | 84.9% | 80.8% (stronger) |
| Uninsured deposits | 26.8% (stronger) | 39.1% |
| Offices | 24 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | 36.1% |
Timberland Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Timberland Bank leads on 5 and Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.