Side-by-side · Q2 2026 data
Washington State Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Washington State Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 41 | 69 (stronger) |
| Loan quality | 66 | 94 (stronger) |
| Earnings | 50 | 77 (stronger) |
| Funding & liquidity | 88 (stronger) | 69 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $79.1M | $6.7B |
| Deposits / shares | $70.2M | $5.8B |
| Capital ratio | 9.10% | 11.94% (stronger) |
| Problem loans | 1.03% | 0.19% (stronger) |
| Net charge-offs | 0.19% | 0.03% (stronger) |
| Return on assets | 0.75% | 1.43% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 81.3% |
| Uninsured deposits | 25.6% | 23.9% (stronger) |
| Offices | 1 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.2% |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 1 and Heartland Bank and Trust Company on 6. 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.