Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Citizens Community Bank
Metric by metric
| Measure | Heartland Bank and Trust Company | Citizens Community Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 31 |
| Capital cushion | 69 (stronger) | 48 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 77 (stronger) | 8 |
| Funding & liquidity | 69 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 33 |
| Peer percentile | 90th | 1st |
| Total assets | $6.7B | $531.0M |
| Deposits / shares | $5.8B | $446.1M |
| Capital ratio | 11.94% (stronger) | 9.83% |
| Problem loans | 0.19% (stronger) | 5.81% |
| Net charge-offs | 0.03% (stronger) | 0.87% |
| Return on assets | 1.43% (stronger) | -0.30% |
| Loans ÷ deposits | 81.3% | 61.2% (stronger) |
| Uninsured deposits | 23.9% (stronger) | 32.0% |
| Offices | 82 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 8.4% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 6 and Citizens Community Bank on 1. 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.