Bank Comparison
Middlefield Banking Company, the vs Heartland Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| CET1 Ratio | 13.78% | 12.78% |
| Tier 1 Capital Ratio | 13.78% | 12.78% |
| Total Capital Ratio | 15.03% | 14.03% |
| Tier 1 Leverage Ratio | 11.02% | 9.95% |
| Equity / Assets | 12.32% | 9.54% |
Profitability
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 1.24% |
| Return on Equity (ROE) | 10.90% | 12.98% |
| Net Interest Margin (NIM) | 3.87% | 3.28% |
| Yield on Earning Assets | 5.95% | 5.81% |
| Cost of Funds | 2.25% | 2.74% |
Asset quality
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| Texas Ratio | 9.73% | 4.34% |
| Non-Performing Loan Ratio | 1.33% | 0.31% |
| Non-Performing Asset Ratio | 1.11% | 0.25% |
| Net Charge-Off Ratio | -0.04% | 0.02% |
| ACL / Loans | 1.43% | 1.15% |
Balance sheet
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| Total Assets | $1,901M | $1,968M |
| Total Deposits | $1,473M | $1,764M |
| Total Loans | $1,585M | $1,559M |
| Total Equity | $234,365K | $187,771K |
| Net Income (quarter) | $6,280K | $6,111K |
Liquidity & funding
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.57% | 88.40% |
| Core Deposit Ratio | 97.11% | 94.19% |
| Uninsured Deposit Ratio | 37.66% | 35.84% |
Identity
| Metric | Middlefield Banking Company, the | Heartland Bank |
|---|---|---|
| Headquarters City | MIDDLEFIELD | Whitehall |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 21 | 23 |
| Employees (FTE) | 236 | 264 |
| Established | March 15, 1902, midnight | Jan. 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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