Side-by-side · Q2 2026 data
Heartland State Bank vs BankNorth
Metric by metric
| Measure | Heartland State Bank | BankNorth |
|---|---|---|
| TellerScore | 46 | 72 (stronger) |
| Capital cushion | 48 | 53 (stronger) |
| Loan quality | 0 | 81 (stronger) |
| Earnings | 47 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 46 |
| Problem-loan coverage | 73 | 92 (stronger) |
| Peer percentile | 7th | 50th |
| Total assets | $75.6M | $694.1M |
| Deposits / shares | $68.3M | $549.6M |
| Capital ratio | 9.75% | 10.32% (stronger) |
| Problem loans | 3.36% | 0.58% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.67% | 1.94% (stronger) |
| Loans ÷ deposits | 42.4% (stronger) | 110.7% |
| Uninsured deposits | 13.1% (stronger) | 18.8% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BankNorth has the higher TellerScore (72 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heartland State Bank leads on 2 and BankNorth on 5. 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.