HEARTLAND STATE BANK

EDGELEY, ND | Micro | Est. Jan. 1, 1921, midnight | FDIC #3919 | RSSD #837653 | FDIC
Latest Report: 2025-12-31

HEARTLAND STATE BANK is amn micro FDIC-insured commercial bank headquartered in EDGELEY, ND, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $73M and total deposits of $65M. Profitability stands at 0.85% ROA and 9.10% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 9.11%. Asset quality metrics show a non-performing loan ratio of 3.00% and a Texas Ratio of 14.55%. FDIC Certificate #3919.

Assets

$73M

Deposits

$65M

Loans

$34M

Equity

$7M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 9.10%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.23%
Cost of Funds 2.63%

Asset Quality

NPL Ratio 3.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 14.55%
NPA Ratio 1.42%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 9.11%
Tier 1 Capital 9.11%
Total Capital Ratio 9.56%
Leverage Ratio 10.40%
Loan-to-Deposit 52.32%

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