Side-by-side · Q2 2026 data
Buckley State Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Buckley State Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 79 (stronger) | 69 |
| Loan quality | 40 | 94 (stronger) |
| Earnings | 46 | 77 (stronger) |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 24th | 90th |
| Total assets | $49.0M | $6.7B |
| Deposits / shares | $42.7M | $5.8B |
| Capital ratio | 12.89% (stronger) | 11.94% |
| Problem loans | 1.79% | 0.19% (stronger) |
| Net charge-offs | 0.93% | 0.03% (stronger) |
| Return on assets | 0.65% | 1.43% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 81.3% |
| Uninsured deposits | 8.4% (stronger) | 23.9% |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Buckley State Bank leads on 3 and Heartland Bank and Trust Company on 4. 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.