Side-by-side · Q2 2026 data
FNB Washington vs Heartland Bank
Metric by metric
| Measure | FNB Washington | Heartland Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 61 | 66 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 92nd | 77th |
| Total assets | $87.8M | $911.1M |
| Deposits / shares | $57.4M | $754.6M |
| Capital ratio | 25.88% (stronger) | 10.25% |
| Problem loans | 0.18% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.94% | 2.01% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 85.5% |
| Uninsured deposits | 40.8% | 22.5% (stronger) |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
FNB Washington has the higher TellerScore (92 vs 80). On the 7 directional measures above (where higher or lower is clearly better), FNB Washington 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.