Side-by-side · Q2 2026 data
Resource Bank, National Association vs Heartland Bank and Trust Company
Metric by metric
| Measure | Resource Bank, National Association | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 50 | 80 (stronger) |
| Capital cushion | 35 | 69 (stronger) |
| Loan quality | 19 | 94 (stronger) |
| Earnings | 75 | 77 (stronger) |
| Funding & liquidity | 91 (stronger) | 69 |
| Problem-loan coverage | 65 | 98 (stronger) |
| Peer percentile | 7th | 90th |
| Total assets | $868.6M | $6.7B |
| Deposits / shares | $799.8M | $5.8B |
| Capital ratio | 8.52% | 11.94% (stronger) |
| Problem loans | 2.44% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.38% | 1.43% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 81.3% |
| Uninsured deposits | 19.9% (stronger) | 23.9% |
| Offices | 15 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.0% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Resource Bank, National Association 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.
Where both have branches
- Dekalb, IL
- Sycamore, IL
- Genoa, IL
- Hampshire, IL
- Somonauk, IL