Side-by-side · Q2 2026 data
Heartland Bank vs Freedom Financial Bank
Metric by metric
| Measure | Heartland Bank | Freedom Financial Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 82 (stronger) | 43 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 46 (stronger) | 36 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 75th | 37th |
| Total assets | $256.1M | $269.3M |
| Deposits / shares | $203.7M | $206.4M |
| Capital ratio | 13.23% (stronger) | 9.30% |
| Problem loans | 0.81% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 2.17% (stronger) | 1.33% |
| Loans ÷ deposits | 104.2% (stronger) | 107.8% |
| Uninsured deposits | 23.8% (stronger) | 29.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 5 and Freedom Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.