HEARTLAND BANK

SOMERS, IA | Small | Est. Jan. 1, 1901, midnight | FDIC #14809 | RSSD #604547 | FDIC
Latest Report: 2025-12-31

HEARTLAND BANK is asn small FDIC-insured commercial bank headquartered in SOMERS, IA, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $267M and total deposits of $201M. Profitability stands at 2.12% ROA and 17.60% ROE, with a net interest margin of 4.89%. The bank's CET1 capital ratio is 13.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.16%. FDIC Certificate #14809.

Assets

$267M

Deposits

$201M

Loans

$219M

Equity

$33M

Profitability

Return on Assets (ROA) 2.12%
Return on Equity (ROE) 17.60%
Net Interest Margin (NIM) 4.89%
Yield on Assets 6.97%
Cost of Funds 2.52%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.16%
NPA Ratio 0.43%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 13.85%
Tier 1 Capital 13.85%
Total Capital Ratio 15.10%
Leverage Ratio 12.68%
Loan-to-Deposit 109.27%

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