Side-by-side · Q2 2026 data
Adams County Bank vs Heartland Bank
Metric by metric
| Measure | Adams County Bank | Heartland Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 68 (stronger) | 53 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 84th | 77th |
| Total assets | $241.1M | $911.1M |
| Deposits / shares | $154.6M | $754.6M |
| Capital ratio | 11.82% (stronger) | 10.25% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.86% | 2.01% (stronger) |
| Loans ÷ deposits | 99.2% | 85.5% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 22.5% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Adams County Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Adams County Bank leads on 4 and Heartland Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.