Side-by-side · Q2 2026 data
Heartland State Bank vs Dakota Heritage Bank
Metric by metric
| Measure | Heartland State Bank | Dakota Heritage Bank |
|---|---|---|
| TellerScore | 46 | 63 (stronger) |
| Capital cushion | 48 | 48 |
| Loan quality | 0 | 46 (stronger) |
| Earnings | 47 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 73 | 74 (stronger) |
| Peer percentile | 7th | 24th |
| Total assets | $75.6M | $416.8M |
| Deposits / shares | $68.3M | $366.8M |
| Capital ratio | 9.75% | 9.83% (stronger) |
| Problem loans | 3.36% | 1.62% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 0.67% | 1.96% (stronger) |
| Loans ÷ deposits | 42.4% (stronger) | 93.4% |
| Uninsured deposits | 13.1% (stronger) | 15.6% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
Dakota Heritage Bank has the higher TellerScore (63 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heartland State Bank leads on 3 and Dakota Heritage Bank on 4. 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.