Side-by-side · Q2 2026 data
Henderson State Bank vs Heartland Bank
Metric by metric
| Measure | Henderson State Bank | Heartland Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 54 (stronger) | 53 |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 45 | 66 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 50th | 77th |
| Total assets | $678.5M | $911.1M |
| Deposits / shares | $510.7M | $754.6M |
| Capital ratio | 10.41% (stronger) | 10.25% |
| Problem loans | 0.27% | 0.13% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.58% | 2.01% (stronger) |
| Loans ÷ deposits | 109.4% | 85.5% (stronger) |
| Uninsured deposits | 20.2% (stronger) | 22.5% |
| Offices | 12 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Henderson State Bank leads on 2 and Heartland Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.