Side-by-side · Q2 2026 data
Citizens State Bank vs Heartland Bank
Metric by metric
| Measure | Citizens State Bank | Heartland Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 64 (stronger) | 53 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 60th | 77th |
| Total assets | $35.6M | $911.1M |
| Deposits / shares | $27.8M | $754.6M |
| Capital ratio | 11.43% (stronger) | 10.25% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.49% | 2.01% (stronger) |
| Loans ÷ deposits | 112.1% | 85.5% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 22.5% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Heartland Bank 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.