Heartland Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heartland Bank of Somers, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.93% | 1.34% | +0.59% | 84th top |
| ROAE | 14.61% | 13.31% | +1.30% | 64th above |
| Net Interest Margin | 4.90% | 3.93% | +0.97% | 90th top |
| Efficiency Ratio | 53.74% | 61.14% | -7.40% | 73rd above |
| PPNR / Avg Assets | 2.39% | 1.68% | +0.71% | 87th top |
| Yield on Earning Assets | 6.70% | 5.67% | +1.03% | 91st top |
| Cost of Funds | 2.08% | 1.88% | +0.20% | 33rd below |
| Net Interest Spread | 4.18% | 3.32% | +0.86% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.94% | -0.35% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 38th below |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 13th bottom |
| ACL / Total Loans | 1.79% | 1.28% | +0.51% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 304.90% | 1539.01% | -1234.11% | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.69% | 7.33% | -2.64% | 43rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 631.25% | 1395.78% | -764.53% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.00% | 19.50% | -4.50% | 49th below |
| Tier 1 Ratio | 15.00% | 19.54% | -4.54% | 48th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.25% | 20.62% | -4.37% | 50th above |
| Leverage Ratio | 13.23% | 12.14% | +1.09% | 77th top |
| Equity / Assets | 13.35% | 11.37% | +1.98% | 80th top |
| TCE / Tangible Assets | 13.12% | 11.09% | +2.03% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.12% | 80.63% | +25.49% | 6th bottom |
| Core Deposit Ratio | 83.10% | 86.86% | -3.76% | 24th bottom |
| Wholesale Funding Ratio | 6.33% | 5.03% | +1.30% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.82% | 6.85% | -4.03% | 38th below |
| Loan Growth (Y/Y) | 4.44% | 7.90% | -3.46% | 45th below |
| Deposit Growth (Y/Y) | 2.42% | 6.29% | -3.87% | 38th below |
See Heartland Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heartland Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heartland Bank profile, how to read a UBPR, or how this data updates.