Bank Comparison
Osb Community Bank vs Heritage Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| CET1 Ratio | 15.22% | 15.61% |
| Tier 1 Capital Ratio | 15.22% | 15.61% |
| Total Capital Ratio | 16.48% | 16.87% |
| Tier 1 Leverage Ratio | 11.36% | 10.60% |
| Equity / Assets | 11.17% | 10.48% |
Profitability
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.73% | -0.53% |
| Return on Equity (ROE) | 6.59% | -5.14% |
| Net Interest Margin (NIM) | 3.26% | 3.58% |
| Yield on Earning Assets | 5.16% | 5.58% |
| Cost of Funds | 2.12% | 2.16% |
Asset quality
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| Texas Ratio | 2.40% | 24.24% |
| Non-Performing Loan Ratio | 0.06% | 3.44% |
| Non-Performing Asset Ratio | 0.05% | 2.93% |
| Net Charge-Off Ratio | 0.07% | 0.10% |
| ACL / Loans | 1.30% | 2.03% |
Balance sheet
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| Total Assets | $360,809K | $360,782K |
| Total Deposits | $298,354K | $306,134K |
| Total Loans | $312,078K | $305,590K |
| Total Equity | $40,314K | $37,813K |
| Net Income (quarter) | $663 | $-491 |
Liquidity & funding
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 104.60% | 99.82% |
| Core Deposit Ratio | 79.90% | 96.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Osb Community Bank | Heritage Bank, N.A. |
|---|---|---|
| Headquarters City | OTTAWA | SPICER |
| Headquarters State | IL | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15401 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 45 | 91 |
| Established | Jan. 1, 1871, midnight | Oct. 8, 1964, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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