Side-by-side · Q2 2026 data
Farmers State Bank vs Heartland Bank
Metric by metric
| Measure | Farmers State Bank | Heartland Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 79 |
| Capital cushion | 70 | 82 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 100 | 100 |
| Funding & liquidity | 92 (stronger) | 46 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 89th | 75th |
| Total assets | $72.6M | $256.1M |
| Deposits / shares | $64.2M | $203.7M |
| Capital ratio | 12.03% | 13.23% (stronger) |
| Problem loans | 0.00% (stronger) | 0.81% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.09% | 2.17% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 104.2% |
| Uninsured deposits | 20.4% (stronger) | 23.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Heartland Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.