Side-by-side · Q2 2026 data
Five Points Bank of Hastings vs Heartland Bank
Metric by metric
| Measure | Five Points Bank of Hastings | Heartland Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 59 (stronger) | 53 |
| Loan quality | 96 | 96 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 66 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 50th | 77th |
| Total assets | $551.7M | $911.1M |
| Deposits / shares | $488.6M | $754.6M |
| Capital ratio | 10.94% (stronger) | 10.25% |
| Problem loans | 0.11% (stronger) | 0.13% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.80% | 2.01% (stronger) |
| Loans ÷ deposits | 51.4% (stronger) | 85.5% |
| Uninsured deposits | 43.0% | 22.5% (stronger) |
| 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), Five Points Bank of Hastings leads on 3 and Heartland Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.