Heartland Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.61 percentage points in Q2 2026, from 21.91% to 20.30%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Heartland Bank is 124th of 225 on total deposits, $203.7M as of Q2 2026, below the middle of the field. Heartland Bank reported $203.7M on total deposits for Q2 2026, 27% below the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $203.7M |
| Domestic office deposits | $203.7M |
| Foreign office deposits | — |
| Deposits to total assets | 79.54% |
| Deposits to total liabilities | 91.79% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $41.3M |
| Savings deposits | $21.1M |
| Transaction accounts to domestic deposits | 29.07% |
| Time deposits | $40K |
| Time deposits under $100k | $25.5M |
| Time deposits $100k to $250k | $29.6M |
| Time deposits over $250k | $26.2M |
| Noninterest-bearing share of deposits | 20.30% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $169.2M |
| Core deposits to total deposits | 83.10% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $13.2M |
| Brokered deposits to total deposits | 6.48% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.34% |
| Interest expense on deposits | $952K |
| Loans and leases to core deposits | 121.81% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $198.0M | 77.48% | 7.75% | 2.61% |
| Q4 2023 | $196.5M | 77.78% | 10.52% | 2.96% |
| Q1 2024 | $198.0M | 76.96% | 8.81% | 3.04% |
| Q2 2024 | $199.7M | 75.83% | 9.66% | 3.15% |
| Q3 2024 | $194.6M | 76.21% | 7.86% | 3.00% |
| Q4 2024 | $204.9M | 76.30% | 8.63% | 2.94% |
| Q1 2025 | $205.2M | 77.05% | 7.85% | 2.66% |
| Q2 2025 | $198.8M | 74.32% | 10.54% | 2.64% |
| Q3 2025 | $203.5M | 77.76% | 7.71% | 2.48% |
| Q4 2025 | $200.9M | 84.26% | 3.99% | 2.64% |
| Q1 2026 | $208.8M | 82.59% | 5.99% | 2.40% |
| Q2 2026 | $203.7M | 83.10% | 6.48% | 2.34% |
Heartland Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14809) · FFIEC NIC profile (RSSD 604547)