Side-by-side · Q2 2026 data
Frederick Community Bank, The vs Heartland Bank and Trust Company
Metric by metric
| Measure | Frederick Community Bank, The | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 54 | 69 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 85 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 90th |
| Total assets | $196.1M | $6.7B |
| Deposits / shares | $174.9M | $5.8B |
| Capital ratio | 10.44% | 11.94% (stronger) |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.20% (stronger) | 1.43% |
| Loans ÷ deposits | 54.1% (stronger) | 81.3% |
| Uninsured deposits | 28.8% | 23.9% (stronger) |
| Offices | 2 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Frederick Community Bank, The has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Frederick Community Bank, The leads on 5 and Heartland Bank and Trust Company on 2. 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.