Side-by-side · Q2 2026 data
Morton Community Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Morton Community Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 56 | 69 (stronger) |
| Loan quality | 73 | 94 (stronger) |
| Earnings | 85 (stronger) | 77 |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 66th | 90th |
| Total assets | $5.3B | $6.7B |
| Deposits / shares | $4.7B | $5.8B |
| Capital ratio | 10.62% | 11.94% (stronger) |
| Problem loans | 0.81% | 0.19% (stronger) |
| Net charge-offs | 0.33% | 0.03% (stronger) |
| Return on assets | 1.62% (stronger) | 1.43% |
| Loans ÷ deposits | 74.1% (stronger) | 81.3% |
| Uninsured deposits | 26.9% | 23.9% (stronger) |
| Offices | 43 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Morton Community Bank 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.