Bank Comparison
Heartland Bank vs Visionbank of Iowa
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| CET1 Ratio | — | 10.44% |
| Tier 1 Capital Ratio | — | 10.44% |
| Total Capital Ratio | — | 11.51% |
| Tier 1 Leverage Ratio | 10.23% | 9.28% |
| Equity / Assets | 11.55% | 10.28% |
Profitability
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| Return on Assets (ROA) | 1.84% | 1.42% |
| Return on Equity (ROE) | 16.49% | 13.93% |
| Net Interest Margin (NIM) | 4.13% | 3.68% |
| Yield on Earning Assets | 5.75% | 5.63% |
| Cost of Funds | 1.68% | 2.09% |
Asset quality
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| Texas Ratio | 3.43% | 6.16% |
| Non-Performing Loan Ratio | 0.30% | 0.72% |
| Non-Performing Asset Ratio | 0.35% | 0.61% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.11% | 1.09% |
Balance sheet
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| Total Assets | $901,489K | $899,898K |
| Total Deposits | $768,558K | $739,950K |
| Total Loans | $641,801K | $772,536K |
| Total Equity | $104,118K | $92,477K |
| Net Income (quarter) | $4,235K | $3,196K |
Liquidity & funding
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| Loan-to-Deposit Ratio | 83.51% | 104.40% |
| Core Deposit Ratio | 87.89% | 98.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heartland Bank | Visionbank of Iowa |
|---|---|---|
| Headquarters City | GENEVA | AMES |
| Headquarters State | NE | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 15 | 13 |
| Employees (FTE) | 109 | 130 |
| Established | March 3, 1899, midnight | June 1, 1884, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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