Side-by-side · Q2 2026 data
First Tri County Bank vs Heartland Bank
Metric by metric
| Measure | First Tri County Bank | Heartland Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 41 | 53 (stronger) |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 45th | 77th |
| Total assets | $78.5M | $911.1M |
| Deposits / shares | $70.7M | $754.6M |
| Capital ratio | 9.07% | 10.25% (stronger) |
| Problem loans | 0.04% (stronger) | 0.13% |
| Net charge-offs | -0.06% (stronger) | -0.00% |
| Return on assets | 0.89% | 2.01% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 85.5% |
| Uninsured deposits | 18.8% (stronger) | 22.5% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Tri County Bank leads on 4 and Heartland Bank 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.