Side-by-side · Q2 2026 data
Community First Bank of the Heartland vs North Shore Trust and Savings
Metric by metric
| Measure | Community First Bank of the Heartland | North Shore Trust and Savings |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 78 (stronger) | 38 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 80 | 97 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 64th | 57th |
| Total assets | $266.8M | $270.3M |
| Deposits / shares | $237.9M | $201.3M |
| Capital ratio | 10.14% | 25.24% (stronger) |
| Problem loans | 0.66% (stronger) | 1.87% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 2.22% (stronger) | 0.90% |
| Loans ÷ deposits | 80.0% | 63.5% (stronger) |
| Uninsured deposits | 13.2% (stronger) | 14.9% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.8% |
Community First Bank of the Heartland has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank of the Heartland leads on 4 and North Shore Trust and Savings on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.