Side-by-side · Q2 2026 data
Spring Valley City Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Spring Valley City Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 89 (stronger) | 69 |
| Loan quality | 94 | 94 |
| Earnings | 54 | 77 (stronger) |
| Funding & liquidity | 89 (stronger) | 69 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 86th | 90th |
| Total assets | $207.0M | $6.7B |
| Deposits / shares | $179.1M | $5.8B |
| Capital ratio | 13.86% (stronger) | 11.94% |
| Problem loans | 0.18% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.84% | 1.43% (stronger) |
| Loans ÷ deposits | 69.1% (stronger) | 81.3% |
| Uninsured deposits | 17.3% (stronger) | 23.9% |
| Offices | 2 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Spring Valley City Bank has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 6 and Heartland Bank and Trust Company on 1. 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
- Peru, IL
- Spring Valley, IL