Side-by-side · Q2 2026 data
Heartland State Bank vs Citizens State Bank of Lankin
Metric by metric
| Measure | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| TellerScore | 46 | 57 (stronger) |
| Capital cushion | 48 | 51 (stronger) |
| Loan quality | 0 | 47 (stronger) |
| Earnings | 47 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 73 | 75 (stronger) |
| Peer percentile | 7th | 16th |
| Total assets | $75.6M | $72.1M |
| Deposits / shares | $68.3M | $61.4M |
| Capital ratio | 9.75% | 10.13% (stronger) |
| Problem loans | 3.36% | 1.58% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.25% |
| Return on assets | 0.67% | 1.17% (stronger) |
| Loans ÷ deposits | 42.4% (stronger) | 85.6% |
| Uninsured deposits | 13.1% (stronger) | 28.1% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank of Lankin has the higher TellerScore (57 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heartland State Bank leads on 3 and Citizens State Bank of Lankin on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.