Side-by-side · Q2 2026 data
Chesterfield State Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Chesterfield State Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 43 | 80 (stronger) |
| Capital cushion | 32 | 69 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 95 (stronger) | 77 |
| Funding & liquidity | 93 (stronger) | 69 |
| Problem-loan coverage | 0 | 98 (stronger) |
| Peer percentile | 6th | 90th |
| Total assets | $21.7M | $6.7B |
| Deposits / shares | $19.8M | $5.8B |
| Capital ratio | 8.15% | 11.94% (stronger) |
| Problem loans | 11.20% | 0.19% (stronger) |
| Net charge-offs | -2.00% (stronger) | 0.03% |
| Return on assets | 1.89% (stronger) | 1.43% |
| Loans ÷ deposits | 67.3% (stronger) | 81.3% |
| Uninsured deposits | 4.4% (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 43). On the 7 directional measures above (where higher or lower is clearly better), Chesterfield State Bank 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.