Heritage Bank vs Bk San Jacinto Cnty Coldspri
Side-by-side bank health comparison using FDIC financial data
Heritage Bank (A) and Bk San Jacinto Cnty Coldspri (A) are close on the BankHealth rubric. Asset bases: $573M versus $46M.
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
Heritage Bank has a stronger Bank Health Score of 100/100 (A) compared to Bk San Jacinto Cnty Coldspri at 100/100 (A), a difference of 0 points. Heritage Bank holds a Tier 1 capital ratio of 20.1% and an NPL ratio of 0.00%.
| Metric | Heritage Bank | Bk San Jacinto Cnty Coldspri |
|---|---|---|
| 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) | 20.1%* | 15.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 65.4% | 71.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.9%* | 2.1% |
| Total Assets | $573M | $46M |
| Total Deposits | $420M | $40M |
| Location | Wood River, Nebraska | Coldspring, Texas |
Heritage Bank has a stronger Bank Health Score of 100/100 (A) compared to Bk San Jacinto Cnty Coldspri at 100/100 (A), a difference of 0 points. Heritage Bank holds a Tier 1 capital ratio of 20.1% and an NPL ratio of 0.00%.