Side-by-side · Q2 2026 data
UBank vs Heritage Community Bank
Metric by metric
| Measure | UBank | Heritage Community Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 81 (stronger) | 53 |
| Loan quality | 77 | 99 (stronger) |
| Earnings | 68 (stronger) | 55 |
| Funding & liquidity | 45 | 65 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 47th |
| Total assets | $182.8M | $184.4M |
| Deposits / shares | $158.4M | $152.1M |
| Capital ratio | 13.14% (stronger) | 10.31% |
| Problem loans | 0.68% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.20% (stronger) | 0.87% |
| Loans ÷ deposits | 82.8% (stronger) | 94.3% |
| Uninsured deposits | 43.7% | 15.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
UBank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 5 and Heritage Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.