Side-by-side · Q2 2026 data
Capitol Bank vs Heartland Credit Union
Metric by metric
| Measure | Capitol Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 74 (stronger) | 67 |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 65 (stronger) | 53 |
| Funding & liquidity | 57 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 75th | 63rd |
| Total assets | $565.3M | $666.8M |
| Deposits / shares | $473.0M | $581.8M |
| Capital ratio | 12.42% (stronger) | 11.69% |
| Problem loans | 0.02% (stronger) | 0.42% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.12% (stronger) | 0.84% |
| Loans ÷ deposits | 89.8% | 79.5% (stronger) |
| Uninsured deposits | 27.1% | 5.8% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
Capitol Bank has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Capitol Bank leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Madison, WI
- Verona, WI