Side-by-side · Q2 2026 data
Heartland State Bank vs First State Bank of Harvey
Metric by metric
| Measure | Heartland State Bank | First State Bank of Harvey |
|---|---|---|
| TellerScore | 46 | 68 (stronger) |
| Capital cushion | 48 | 54 (stronger) |
| Loan quality | 0 | 62 (stronger) |
| Earnings | 47 | 60 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 73 | 91 (stronger) |
| Peer percentile | 7th | 33rd |
| Total assets | $75.6M | $94.6M |
| Deposits / shares | $68.3M | $84.6M |
| Capital ratio | 9.75% | 10.40% (stronger) |
| Problem loans | 3.36% | 1.14% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 0.67% | 1.00% (stronger) |
| Loans ÷ deposits | 42.4% | 41.2% (stronger) |
| Uninsured deposits | 13.1% | 10.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Harvey has the higher TellerScore (68 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heartland State Bank leads on 1 and First State Bank of Harvey on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.