Side-by-side · Q2 2026 data
United Bank & Trust vs Heartland Bank
Metric by metric
| Measure | United Bank & Trust | Heartland Bank |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 65 (stronger) | 53 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 58 | 66 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 77th |
| Total assets | $892.9M | $911.1M |
| Deposits / shares | $714.1M | $754.6M |
| Capital ratio | 11.51% (stronger) | 10.25% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.53% | 2.01% (stronger) |
| Loans ÷ deposits | 92.9% | 85.5% (stronger) |
| Uninsured deposits | 23.5% | 22.5% (stronger) |
| Offices | 12 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 5.0% |
Heartland Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 3 and Heartland Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.