Side-by-side · Q2 2026 data
North Central Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | North Central Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 73 (stronger) | 69 |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 82nd | 90th |
| Total assets | $165.9M | $6.7B |
| Deposits / shares | $144.7M | $5.8B |
| Capital ratio | 12.26% (stronger) | 11.94% |
| Problem loans | 0.26% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.33% | 1.43% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 81.3% |
| Uninsured deposits | 27.6% | 23.9% (stronger) |
| Offices | 2 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
North Central Bank has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), North Central Bank leads on 4 and Heartland Bank and Trust Company on 3. 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.