Side-by-side · Q2 2026 data
York State Bank vs Heritage Bank
Metric by metric
| Measure | York State Bank | Heritage Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 86 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 93 (stronger) | 61 |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 | 74 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 95th | 90th |
| Total assets | $200.2M | $611.6M |
| Deposits / shares | $167.4M | $420.5M |
| Capital ratio | 13.92% | 23.01% (stronger) |
| Problem loans | 0.20% (stronger) | 1.18% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.08% | 2.58% (stronger) |
| Loans ÷ deposits | 77.1% | 70.5% (stronger) |
| Uninsured deposits | 27.4% (stronger) | 29.0% |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
York State Bank has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), York State Bank leads on 3 and Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.