Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 86 (stronger) | 69 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 60 | 77 (stronger) |
| Funding & liquidity | 69 | 69 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 84th | 90th |
| Total assets | $122.5M | $6.7B |
| Deposits / shares | $102.7M | $5.8B |
| Capital ratio | 13.62% (stronger) | 11.94% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.00% | 1.43% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 81.3% |
| Uninsured deposits | 28.1% | 23.9% (stronger) |
| Offices | 4 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 5 and Heartland Bank and Trust Company on 2. 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.