Side-by-side · Q2 2026 data
Lincoln Savings Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Lincoln Savings Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 27 | 80 (stronger) |
| Capital cushion | 41 | 69 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 0 | 77 (stronger) |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 36 | 98 (stronger) |
| Peer percentile | 0th | 90th |
| Total assets | $1.7B | $6.7B |
| Deposits / shares | $1.5B | $5.8B |
| Capital ratio | 9.12% | 11.94% (stronger) |
| Problem loans | 4.32% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | -1.02% | 1.43% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 81.3% |
| Uninsured deposits | 23.5% (stronger) | 23.9% |
| Offices | 16 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 27). On the 7 directional measures above (where higher or lower is clearly better), Lincoln Savings Bank leads on 3 and Heartland Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.