Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Community First Bank of the Heartland
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Community First Bank of the Heartland |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 57 (stronger) | 51 |
| Loan quality | 81 (stronger) | 78 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 58th | 64th |
| Total assets | $9.1B | $266.8M |
| Deposits / shares | $7.6B | $237.9M |
| Capital ratio | 10.70% (stronger) | 10.14% |
| Problem loans | 0.58% (stronger) | 0.66% |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.10% | 2.22% (stronger) |
| Loans ÷ deposits | 89.7% | 80.0% (stronger) |
| Uninsured deposits | 17.1% | 13.2% (stronger) |
| Offices | 85 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Community First Bank of the Heartland has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 2 and Community First Bank of the Heartland on 5. 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.