Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Citizens Equity First Credit Union
Metric by metric
| Measure | Heartland Bank and Trust Company | Citizens Equity First Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 69 (stronger) | 67 |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 90th | 62nd |
| Total assets | $6.7B | $8.5B |
| Deposits / shares | $5.8B | $7.4B |
| Capital ratio | 11.94% (stronger) | 11.65% |
| Problem loans | 0.19% (stronger) | 0.96% |
| Net charge-offs | 0.03% (stronger) | 0.71% |
| Return on assets | 1.43% (stronger) | 1.33% |
| Loans ÷ deposits | 81.3% (stronger) | 87.4% |
| Uninsured deposits | 23.9% | 8.9% (stronger) |
| Offices | 82 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 6 and Citizens Equity First Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.