Side-by-side · Q2 2026 data
Dnb National Bank vs Heartland State Bank
Metric by metric
| Measure | Dnb National Bank | Heartland State Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 39 | 49 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 75th |
| Total assets | $124.1M | $154.0M |
| Deposits / shares | $114.3M | $135.1M |
| Capital ratio | 8.89% | 9.93% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.01% | 2.43% (stronger) |
| Loans ÷ deposits | 26.4% (stronger) | 89.9% |
| Uninsured deposits | 33.4% | 20.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Dnb National Bank leads on 1 and Heartland State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.