Side-by-side · Q2 2026 data
First State Bank of Roscoe vs Heartland State Bank
Metric by metric
| Measure | First State Bank of Roscoe | Heartland State Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 79 |
| Capital cushion | 88 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 97th | 75th |
| Total assets | $147.5M | $154.0M |
| Deposits / shares | $125.8M | $135.1M |
| Capital ratio | 13.84% (stronger) | 9.93% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.63% | 2.43% (stronger) |
| Loans ÷ deposits | 61.4% (stronger) | 89.9% |
| Uninsured deposits | 22.6% | 20.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Roscoe has the higher TellerScore (92 vs 79). On the 6 directional measures above (where higher or lower is clearly better), First State Bank of Roscoe leads on 4 and Heartland State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.