Side-by-side · Q2 2026 data
Citizens State Bank, of Arlington vs Heartland State Bank
Metric by metric
| Measure | Citizens State Bank, of Arlington | Heartland State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 79 |
| Capital cushion | 67 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 75th |
| Total assets | $153.2M | $154.0M |
| Deposits / shares | $134.9M | $135.1M |
| Capital ratio | 11.74% (stronger) | 9.93% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.11% | 2.43% (stronger) |
| Loans ÷ deposits | 54.1% (stronger) | 89.9% |
| Uninsured deposits | 17.6% (stronger) | 20.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank, of Arlington has the higher TellerScore (82 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank, of Arlington leads on 4 and Heartland State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.