Side-by-side · Q2 2026 data
Waterman Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | Waterman Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 82 (stronger) | 69 |
| Loan quality | 41 | 94 (stronger) |
| Earnings | 39 | 77 (stronger) |
| Funding & liquidity | 60 | 69 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $173.6M | $6.7B |
| Deposits / shares | $144.3M | $5.8B |
| Capital ratio | 13.20% (stronger) | 11.94% |
| Problem loans | 1.78% | 0.19% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 0.47% | 1.43% (stronger) |
| Loans ÷ deposits | 86.5% | 81.3% (stronger) |
| Uninsured deposits | 27.1% | 23.9% (stronger) |
| Offices | 3 | 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 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman 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.