Side-by-side · Q2 2026 data
Peoples Bank & Trust vs Heartland Bank and Trust Company
Metric by metric
| Measure | Peoples Bank & Trust | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 57 | 69 (stronger) |
| Loan quality | 47 | 94 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 49 | 69 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 26th | 90th |
| Total assets | $656.6M | $6.7B |
| Deposits / shares | $522.2M | $5.8B |
| Capital ratio | 10.73% | 11.94% (stronger) |
| Problem loans | 1.58% | 0.19% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.16% (stronger) | 1.43% |
| Loans ÷ deposits | 80.2% (stronger) | 81.3% |
| Uninsured deposits | 43.2% | 23.9% (stronger) |
| Offices | 10 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust leads on 3 and Heartland Bank and Trust Company on 4. 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.