Side-by-side · Q2 2026 data
The Citizens State Bank vs Heartland Credit Union
Metric by metric
| Measure | The Citizens State Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 66 |
| Capital cushion | 94 (stronger) | 48 |
| Loan quality | 100 (stronger) | 60 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 99th | 37th |
| Total assets | $450.6M | $726.4M |
| Deposits / shares | $382.3M | $598.8M |
| Capital ratio | 14.45% (stronger) | 9.79% |
| Problem loans | 0.01% (stronger) | 1.20% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | 1.69% | 2.43% (stronger) |
| Loans ÷ deposits | 57.8% (stronger) | 102.0% |
| Uninsured deposits | 22.5% | 7.0% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
The Citizens State Bank has the higher TellerScore (95 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.