Side-by-side · Q2 2026 data
Carrollton Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Carrollton Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 30 | 69 (stronger) |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 63 | 77 (stronger) |
| Funding & liquidity | 35 | 69 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 17th | 90th |
| Total assets | $3.9B | $6.7B |
| Deposits / shares | $3.6B | $5.8B |
| Capital ratio | 8.01% | 11.94% (stronger) |
| Problem loans | 0.36% | 0.19% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.06% | 1.43% (stronger) |
| Loans ÷ deposits | 82.5% | 81.3% (stronger) |
| Uninsured deposits | 53.2% | 23.9% (stronger) |
| Offices | 11 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Carrollton Bank leads on 1 and Heartland Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Springfield, IL
- Alton, IL
- Carrollton, IL
- Edwardsville, IL
- Jerseyville, IL
- Clayton, MO