Side-by-side · Q2 2026 data
Denver Savings Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Denver Savings Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 58 | 69 (stronger) |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 53 | 77 (stronger) |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 47th | 90th |
| Total assets | $250.6M | $6.7B |
| Deposits / shares | $186.9M | $5.8B |
| Capital ratio | 10.84% | 11.94% (stronger) |
| Problem loans | 0.05% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 0.83% | 1.43% (stronger) |
| Loans ÷ deposits | 93.4% | 81.3% (stronger) |
| Uninsured deposits | 25.4% | 23.9% (stronger) |
| Offices | 2 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Denver Savings Bank leads on 2 and Heartland Bank and Trust Company on 5. 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.