Side-by-side · Q2 2026 data
Hartsburg State Bank vs BMO Harris Central National Association
Metric by metric
| Measure | Hartsburg State Bank | BMO Harris Central National Association |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 29 | 43 (stronger) |
| Funding & liquidity | 98 (stronger) | 61 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 48th | 73rd |
| Total assets | $18.1M | $8.2M |
| Deposits / shares | $16.5M | $1.0M |
| Capital ratio | 11.51% | 87.50% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 1.22% | 0.00% (stronger) |
| Return on assets | 0.22% | 0.58% (stronger) |
| Loans ÷ deposits | 32.8% | 0.0% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 50.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 40.5% |
BMO Harris Central National Association has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Hartsburg State Bank leads on 1 and BMO Harris Central National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.