Side-by-side · Q2 2026 data
Heartland Bank vs Westside State Bank
Metric by metric
| Measure | Heartland Bank | Westside State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 51 |
| Capital cushion | 82 (stronger) | 38 |
| Loan quality | 73 (stronger) | 48 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 46 (stronger) | 45 |
| Problem-loan coverage | 91 (stronger) | 72 |
| Peer percentile | 75th | 8th |
| Total assets | $256.1M | $268.7M |
| Deposits / shares | $203.7M | $208.4M |
| Capital ratio | 13.23% (stronger) | 8.82% |
| Problem loans | 0.81% (stronger) | 1.57% |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 2.17% (stronger) | 1.21% |
| Loans ÷ deposits | 104.2% (stronger) | 111.9% |
| Uninsured deposits | 23.8% | 19.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Bank has the higher TellerScore (79 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 6 and Westside State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.