Side-by-side · Q2 2026 data
Heartland Bank vs First Commerce Bank
Metric by metric
| Measure | Heartland Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 53 | 68 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 66 (stronger) | 55 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 77th | 75th |
| Total assets | $911.1M | $138.5M |
| Deposits / shares | $754.6M | $120.6M |
| Capital ratio | 10.25% | 11.79% (stronger) |
| Problem loans | 0.13% (stronger) | 0.26% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 2.01% (stronger) | 1.75% |
| Loans ÷ deposits | 85.5% (stronger) | 93.1% |
| Uninsured deposits | 22.5% (stronger) | 26.4% |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Heartland Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 5 and First Commerce Bank on 2. 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.