Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Heartland Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Heartland Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 56 (stronger) | 53 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 77th |
| Total assets | $1.1B | $911.1M |
| Deposits / shares | $885.6M | $754.6M |
| Capital ratio | 10.64% (stronger) | 10.25% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.89% | 2.01% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 85.5% |
| Uninsured deposits | 16.0% (stronger) | 22.5% |
| Offices | 12 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Heartland Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.