Side-by-side · Q2 2026 data
Peoples State Bank of Colfax vs Heartland Bank and Trust Company
Metric by metric
| Measure | Peoples State Bank of Colfax | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 67 | 69 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 72 | 77 (stronger) |
| Funding & liquidity | 94 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 76th | 90th |
| Total assets | $49.5M | $6.7B |
| Deposits / shares | $43.7M | $5.8B |
| Capital ratio | 11.74% | 11.94% (stronger) |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.31% | 1.43% (stronger) |
| Loans ÷ deposits | 45.7% (stronger) | 81.3% |
| Uninsured deposits | 20.8% (stronger) | 23.9% |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Peoples State Bank of Colfax has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Colfax leads on 5 and Heartland Bank and Trust Company on 2. 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.