Side-by-side · Q2 2026 data
GNB Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | GNB Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 72 (stronger) | 69 |
| Loan quality | 79 | 94 (stronger) |
| Earnings | 87 (stronger) | 77 |
| Funding & liquidity | 51 | 69 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 64th | 90th |
| Total assets | $621.3M | $6.7B |
| Deposits / shares | $498.0M | $5.8B |
| Capital ratio | 12.22% (stronger) | 11.94% |
| Problem loans | 0.62% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.68% (stronger) | 1.43% |
| Loans ÷ deposits | 88.5% | 81.3% (stronger) |
| Uninsured deposits | 34.1% | 23.9% (stronger) |
| Offices | 7 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), GNB Bank leads on 3 and Heartland Bank and Trust Company on 4. 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.