Side-by-side · Q2 2026 data
Bank of Farmington vs Heartland Bank and Trust Company
Metric by metric
| Measure | Bank of Farmington | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 60 | 69 (stronger) |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 38 | 77 (stronger) |
| Funding & liquidity | 65 | 69 (stronger) |
| Problem-loan coverage | 77 | 98 (stronger) |
| Peer percentile | 31st | 90th |
| Total assets | $240.1M | $6.7B |
| Deposits / shares | $211.7M | $5.8B |
| Capital ratio | 10.96% | 11.94% (stronger) |
| Problem loans | 0.20% | 0.19% (stronger) |
| Net charge-offs | 0.30% | 0.03% (stronger) |
| Return on assets | 0.44% | 1.43% (stronger) |
| Loans ÷ deposits | 77.4% (stronger) | 81.3% |
| Uninsured deposits | 31.1% | 23.9% (stronger) |
| Offices | 5 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Farmington leads on 1 and Heartland Bank and Trust Company on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.