Side-by-side · Q2 2026 data
Vermilion Valley Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Vermilion Valley Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 96 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 96 (stronger) | 77 |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 90th |
| Total assets | $198.2M | $6.7B |
| Deposits / shares | $160.1M | $5.8B |
| Capital ratio | 16.70% (stronger) | 11.94% |
| Problem loans | 0.03% (stronger) | 0.19% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.91% (stronger) | 1.43% |
| Loans ÷ deposits | 71.0% (stronger) | 81.3% |
| Uninsured deposits | 20.2% (stronger) | 23.9% |
| Offices | 4 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 17.2% |
Vermilion Valley Bank has the higher TellerScore (96 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Vermilion Valley Bank leads on 7 and Heartland Bank and Trust Company on 0. 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.