BanksHEARTLAND BANK

HEARTLAND BANK

SOMERS, IASmallEst. Jan. 1, 1901, midnightFDIC #14809RSSD #604547FDIC
Latest · 2025-12-31

HEARTLAND BANK is an 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%. CET1 capital ratio: 13.85%, well above regulatory minimums. NPL ratio: 0.52% · Texas Ratio: 3.16%. Operates 5 domestic branches.

Assets
$267M
Deposits
$201M
Loans
$219M
Equity
$33M

Profitability

Return on Assets (ROA)2.12%
Return on Equity (ROE)17.60%
Net Interest Margin4.89%
Yield on Assets6.97%
Cost of Funds2.52%

Asset Quality

NPL Ratio0.52%
Net Charge-Off Ratio0.00%
Texas Ratio3.16%
NPA Ratio0.43%
ACL / Loans1.64%

Capital & Liquidity

CET1 Ratio13.85%
Tier 1 Capital13.85%
Total Capital Ratio15.10%
Leverage Ratio12.68%
Loan-to-Deposit109.27%

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