Side-by-side · Q2 2026 data
Farmers State Bank of Medora vs Heartland Bank and Trust Company
Metric by metric
| Measure | Farmers State Bank of Medora | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 43 | 94 (stronger) |
| Earnings | 23 | 77 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 37th | 90th |
| Total assets | $20.4M | $6.7B |
| Deposits / shares | $17.9M | $5.8B |
| Capital ratio | 15.51% (stronger) | 11.94% |
| Problem loans | 1.70% | 0.19% (stronger) |
| Net charge-offs | -0.27% (stronger) | 0.03% |
| Return on assets | 0.07% | 1.43% (stronger) |
| Loans ÷ deposits | 43.0% (stronger) | 81.3% |
| Uninsured deposits | 6.6% (stronger) | 23.9% |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Medora 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.