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 | 72 | 80 (stronger) |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 77 | 77 |
| Funding & liquidity | 23 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 66th | 90th |
| Total assets | $1.6B | $6.7B |
| Deposits / shares | $1.3B | $5.8B |
| Capital ratio | 11.20% | 11.94% (stronger) |
| Problem loans | 0.01% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.41% | 1.43% (stronger) |
| Loans ÷ deposits | 102.8% | 81.3% (stronger) |
| Uninsured deposits | 46.0% | 23.9% (stronger) |
| Offices | 8 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Heartland Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.