Side-by-side · Q2 2026 data
Heartland State Bank vs Peoples State Bank
Metric by metric
| Measure | Heartland State Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 46 | 87 (stronger) |
| Capital cushion | 48 | 85 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 47 | 75 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 7th | 84th |
| Total assets | $75.6M | $69.9M |
| Deposits / shares | $68.3M | $60.7M |
| Capital ratio | 9.75% | 13.52% (stronger) |
| Problem loans | 3.36% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.67% | 1.39% (stronger) |
| Loans ÷ deposits | 42.4% (stronger) | 64.5% |
| Uninsured deposits | 13.1% (stronger) | 31.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank has the higher TellerScore (87 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Heartland State Bank leads on 2 and Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.