Heritage Bank vs Garden Plain State Bank
Side-by-side bank health comparison using FDIC financial data
Heritage Bank (A) and Garden Plain State Bank (A) are close on the BankHealth rubric. Asset bases: $573M versus $149M.
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 Garden Plain State Bank 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 | Garden Plain State 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) | 20.1% | 24.2%* |
| 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%* | 50.6% |
| Return on Assets Profitability metric (above 1% is strong) | 2.9%* | 2.7% |
| Total Assets | $573M | $149M |
| Total Deposits | $420M | $128M |
| Location | Wood River, Nebraska | Wichita, Kansas |
Heritage Bank has a stronger Bank Health Score of 100/100 (A) compared to Garden Plain State Bank 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%.