Side-by-side · Q2 2026 data
Midland Community Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Midland Community Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 71 (stronger) | 69 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 87 (stronger) | 77 |
| Funding & liquidity | 95 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 90th |
| Total assets | $68.8M | $6.7B |
| Deposits / shares | $56.6M | $5.8B |
| Capital ratio | 12.11% (stronger) | 11.94% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.49% | 0.03% (stronger) |
| Return on assets | 1.66% (stronger) | 1.43% |
| Loans ÷ deposits | 64.9% (stronger) | 81.3% |
| Uninsured deposits | 12.0% (stronger) | 23.9% |
| Offices | 2 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Midland Community Bank has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Midland Community Bank leads on 6 and Heartland Bank and Trust Company on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.