Side-by-side · Q2 2026 data
Farmers State Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Farmers State Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 76 | 77 (stronger) |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 92nd | 90th |
| Total assets | $339.8M | $6.7B |
| Deposits / shares | $285.8M | $5.8B |
| Capital ratio | 15.02% (stronger) | 11.94% |
| Problem loans | 0.23% | 0.19% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.40% | 1.43% (stronger) |
| Loans ÷ deposits | 89.0% | 81.3% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 23.9% |
| Offices | 6 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 17.2% |
Farmers State Bank has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Heartland Bank and Trust Company on 3. 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.
Where both have branches
- Pittsfield, IL
- Jerseyville, IL