Side-by-side · Q2 2026 data
United Community Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | United Community Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 52 | 69 (stronger) |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 90th |
| Total assets | $4.1B | $6.7B |
| Deposits / shares | $3.6B | $5.8B |
| Capital ratio | 10.17% | 11.94% (stronger) |
| Problem loans | 0.31% | 0.19% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.32% | 1.43% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 81.3% |
| Uninsured deposits | 35.0% | 23.9% (stronger) |
| Offices | 42 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Heartland Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Springfield, IL
- Quincy, IL
- Lincoln, IL
- Alton, IL
- Carlinville, IL
- Pittsfield, IL