Side-by-side · Q2 2026 data
Villa Grove State Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Villa Grove State Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 86 (stronger) | 80 |
| Capital cushion | 72 (stronger) | 69 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 90 (stronger) | 77 |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 81st | 90th |
| Total assets | $85.9M | $6.7B |
| Deposits / shares | $74.7M | $5.8B |
| Capital ratio | 12.22% (stronger) | 11.94% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.75% (stronger) | 1.43% |
| Loans ÷ deposits | 73.3% (stronger) | 81.3% |
| Uninsured deposits | 27.3% | 23.9% (stronger) |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Villa Grove State Bank has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Villa Grove State Bank leads on 6 and Heartland Bank and Trust Company on 1. 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.