Comerica B&T NA vs Heritage Bank
Side-by-side bank health comparison using FDIC financial data
Comerica B&T NA (A) and Heritage Bank (A) are close on the BankHealth rubric. Asset bases: $116M versus $573M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Comerica B&T NA has a stronger Bank Health Score of 100/100 (A) compared to Heritage Bank at 100/100 (A), a difference of 0 points. Comerica B&T NA holds a Tier 1 capital ratio of 198.6% and an NPL ratio of 0.00%.
| Metric | Comerica B&T NA | Heritage Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 198.6%* | 20.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.1% | 65.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 15.3%* | 2.9% |
| Total Assets | $116M | $573M |
| Total Deposits | $520K | $420M |
| Location | Ann Arbor, Michigan | Wood River, Nebraska |
Comerica B&T NA has a stronger Bank Health Score of 100/100 (A) compared to Heritage Bank at 100/100 (A), a difference of 0 points. Comerica B&T NA holds a Tier 1 capital ratio of 198.6% and an NPL ratio of 0.00%.