Side-by-side · Q2 2026 data
Bank of Springfield vs Heartland Bank and Trust Company
Metric by metric
| Measure | Bank of Springfield | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 42 | 69 (stronger) |
| Loan quality | 52 | 94 (stronger) |
| Earnings | 72 | 77 (stronger) |
| Funding & liquidity | 51 | 69 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 13th | 90th |
| Total assets | $2.0B | $6.7B |
| Deposits / shares | $1.7B | $5.8B |
| Capital ratio | 9.22% | 11.94% (stronger) |
| Problem loans | 1.43% | 0.19% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.30% | 1.43% (stronger) |
| Loans ÷ deposits | 99.9% | 81.3% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 23.9% |
| Offices | 18 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Bank of Springfield leads on 2 and Heartland Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.