Side-by-side · Q2 2026 data
Old Second National Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Old Second National Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 70 (stronger) | 69 |
| Loan quality | 64 | 94 (stronger) |
| Earnings | 87 (stronger) | 77 |
| Funding & liquidity | 52 | 69 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 63rd | 90th |
| Total assets | $6.9B | $6.7B |
| Deposits / shares | $5.5B | $5.8B |
| Capital ratio | 12.05% (stronger) | 11.94% |
| Problem loans | 1.08% | 0.19% (stronger) |
| Net charge-offs | 0.73% | 0.03% (stronger) |
| Return on assets | 1.69% (stronger) | 1.43% |
| Loans ÷ deposits | 94.7% | 81.3% (stronger) |
| Uninsured deposits | 27.1% | 23.9% (stronger) |
| Offices | 53 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Old Second National 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.