Side-by-side · Q2 2026 data
INB, National Association vs Heartland Bank and Trust Company
Metric by metric
| Measure | INB, National Association | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 44 | 69 (stronger) |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 68 | 77 (stronger) |
| Funding & liquidity | 77 (stronger) | 69 |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 27th | 90th |
| Total assets | $2.7B | $6.7B |
| Deposits / shares | $2.4B | $5.8B |
| Capital ratio | 9.44% | 11.94% (stronger) |
| Problem loans | 1.10% | 0.19% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 1.20% | 1.43% (stronger) |
| Loans ÷ deposits | 80.1% (stronger) | 81.3% |
| Uninsured deposits | 18.2% (stronger) | 23.9% |
| Offices | 14 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), INB, National Association leads on 2 and Heartland Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.