Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs First Federal Savings Bank of Champaign Urbana
Bank
First Federal Savings Bank of Champaign Urbana
Champaign, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Heartland Bank and Trust Company | First Federal Savings Bank of Champaign Urbana |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 69 | 77 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 77 | 97 (stronger) |
| Funding & liquidity | 69 | 89 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 95th |
| Total assets | $6.7B | $192.5M |
| Deposits / shares | $5.8B | $163.6M |
| Capital ratio | 11.94% | 12.71% (stronger) |
| Problem loans | 0.19% | 0.09% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.43% | 1.92% (stronger) |
| Loans ÷ deposits | 81.3% | 70.9% (stronger) |
| Uninsured deposits | 23.9% | 13.4% (stronger) |
| Offices | 82 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 0.9% |
First Federal Savings Bank of Champaign Urbana has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 0 and First Federal Savings Bank of Champaign Urbana on 7. 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.