HEARTLAND BANK

GENEVA, NE | Medium | Est. March 3, 1899, midnight | FDIC #18740 | RSSD #88455 | FDIC
Latest Report: 2025-12-31

HEARTLAND BANK is amn medium FDIC-insured commercial bank headquartered in GENEVA, NE, established in March 3, 1899, midnight. As of 2025-12-31, the bank reported total assets of $940M and total deposits of $713M. Profitability stands at 1.59% ROA and 14.64% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 6.92%. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 2.55%. FDIC Certificate #18740.

Assets

$940M

Deposits

$713M

Loans

$666M

Equity

$101M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 14.64%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.78%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.55%
NPA Ratio 0.29%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 6.92%
Tier 1 Capital 6.92%
Total Capital Ratio 7.27%
Leverage Ratio 9.65%
Loan-to-Deposit 93.33%

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