HEARTLAND STATE BANK

REDFIELD, SD | Small | Est. Jan. 1, 1909, midnight | FDIC #9007 | RSSD #135854 | FDIC
Latest Report: 2025-12-31

HEARTLAND STATE BANK is asn small FDIC-insured commercial bank headquartered in REDFIELD, SD, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $155M and total deposits of $125M. Profitability stands at 2.33% ROA and 25.93% ROE, with a net interest margin of 4.98%. The bank's CET1 capital ratio is 10.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9007.

Assets

$155M

Deposits

$125M

Loans

$116M

Equity

$14M

Profitability

Return on Assets (ROA) 2.33%
Return on Equity (ROE) 25.93%
Net Interest Margin (NIM) 4.98%
Yield on Assets 6.76%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 10.73%
Tier 1 Capital 10.73%
Total Capital Ratio 11.43%
Leverage Ratio 9.72%
Loan-to-Deposit 93.07%

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