Side-by-side · Q2 2026 data
West Central Bank vs Heartland Bank and Trust Company
Metric by metric
| Measure | West Central Bank | Heartland Bank and Trust Company |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 69 | 69 |
| Loan quality | 30 | 94 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 70 (stronger) | 69 |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $232.2M | $6.7B |
| Deposits / shares | $207.1M | $5.8B |
| Capital ratio | 11.95% (stronger) | 11.94% |
| Problem loans | 2.10% | 0.19% (stronger) |
| Net charge-offs | 1.43% | 0.03% (stronger) |
| Return on assets | 1.28% | 1.43% (stronger) |
| Loans ÷ deposits | 83.1% | 81.3% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 23.9% |
| Offices | 4 | 82 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 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), West Central Bank leads on 2 and Heartland Bank and Trust Company on 5. 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.