Side-by-side · Q2 2026 data
Whitaker Bank vs Heritage Bank, Inc.
Metric by metric
| Measure | Whitaker Bank | Heritage Bank, Inc. |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 79 (stronger) | 40 |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 77 (stronger) | 61 |
| Funding & liquidity | 80 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 95th | 36th |
| Total assets | $1.9B | $2.0B |
| Deposits / shares | $1.6B | $1.8B |
| Capital ratio | 12.89% (stronger) | 9.01% |
| Problem loans | 0.21% (stronger) | 0.47% |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.42% (stronger) | 1.03% |
| Loans ÷ deposits | 67.3% | 67.1% (stronger) |
| Uninsured deposits | 26.8% (stronger) | 35.3% |
| Offices | 44 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Whitaker Bank leads on 6 and Heritage Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.