Side-by-side · Q2 2026 data
The Citizens First National Bank of Storm Lake vs Heartland Bank
Bank
The Citizens First National Bank of Storm Lake
Storm Lake, Iowa · $100 million – $1 billion
Metric by metric
| Measure | The Citizens First National Bank of Storm Lake | Heartland Bank |
|---|---|---|
| TellerScore | 99 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 99 (stronger) | 73 |
| Earnings | 100 | 100 |
| Funding & liquidity | 92 (stronger) | 46 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 100th | 75th |
| Total assets | $256.5M | $256.1M |
| Deposits / shares | $210.5M | $203.7M |
| Capital ratio | 15.87% (stronger) | 13.23% |
| Problem loans | 0.03% (stronger) | 0.81% |
| Net charge-offs | -0.11% (stronger) | 0.04% |
| Return on assets | 2.50% (stronger) | 2.17% |
| Loans ÷ deposits | 64.2% (stronger) | 104.2% |
| Uninsured deposits | 18.7% (stronger) | 23.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Citizens First National Bank of Storm Lake leads on 7 and Heartland Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.