Side-by-side · Q2 2026 data
Generations Bank vs Heartland Bank
Metric by metric
| Measure | Generations Bank | Heartland Bank |
|---|---|---|
| TellerScore | 54 | 80 (stronger) |
| Capital cushion | 56 (stronger) | 53 |
| Loan quality | 37 | 96 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 66 |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 13th | 77th |
| Total assets | $58.3M | $911.1M |
| Deposits / shares | $46.8M | $754.6M |
| Capital ratio | 10.58% (stronger) | 10.25% |
| Problem loans | 1.90% | 0.13% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.81% | 2.01% (stronger) |
| Loans ÷ deposits | 92.7% | 85.5% (stronger) |
| Uninsured deposits | 10.7% (stronger) | 22.5% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Generations Bank leads on 2 and Heartland Bank on 5. 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.