Side-by-side · Q2 2026 data
Bank of O'Fallon vs Heartland Bank and Trust Company
Metric by metric
| Measure | Bank of O'Fallon | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 80 |
| Capital cushion | 88 (stronger) | 69 |
| Loan quality | 77 | 94 (stronger) |
| Earnings | 91 (stronger) | 77 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 80th | 90th |
| Total assets | $377.5M | $6.7B |
| Deposits / shares | $324.1M | $5.8B |
| Capital ratio | 13.82% (stronger) | 11.94% |
| Problem loans | 0.69% | 0.19% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.78% (stronger) | 1.43% |
| Loans ÷ deposits | 86.1% | 81.3% (stronger) |
| Uninsured deposits | 32.4% | 23.9% (stronger) |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Bank of O'Fallon has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Bank of O'Fallon leads on 4 and Heartland Bank and Trust Company on 3. 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.