Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Prairie State Bank and Trust
Metric by metric
| Measure | Heartland Bank and Trust Company | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 69 | 74 (stronger) |
| Loan quality | 94 (stronger) | 83 |
| Earnings | 77 | 83 (stronger) |
| Funding & liquidity | 69 | 75 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 90th | 77th |
| Total assets | $6.7B | $840.1M |
| Deposits / shares | $5.8B | $730.2M |
| Capital ratio | 11.94% | 12.39% (stronger) |
| Problem loans | 0.19% (stronger) | 0.52% |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 1.43% | 1.58% (stronger) |
| Loans ÷ deposits | 81.3% | 74.9% (stronger) |
| Uninsured deposits | 23.9% (stronger) | 24.3% |
| Offices | 82 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 3.9% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 3 and Prairie State Bank and Trust on 3. 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.