Heartland Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 109.70 percentage points lower than in Q1 2026, at 304.90%. Heartland Bank ranks 34th of 225 Iowa banks on return on assets, in the upper half at 1.93% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Heartland Bank reported 1.93% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 13.23% |
| Equity capital to assets | 13.35% |
| Tangible equity to tangible assets | 13.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 4.69% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | 304.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 14.61% |
| Net interest margin | 4.90% |
| Efficiency ratio | 53.74% |
| Yield on earning assets | 6.70% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.12% |
| Core deposits to total deposits | 83.10% |
| Brokered deposits to total deposits | 6.48% |
| Deposits to assets | 79.54% |
| Securities to assets | 11.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.70% | 12.70% | 13.95% | 11.61% | 1.57% |
| Q4 2023 | 12.52% | 12.52% | 13.77% | 11.69% | 0.96% |
| Q1 2024 | 12.19% | 12.19% | 13.44% | 11.53% | 1.85% |
| Q2 2024 | 13.42% | 13.42% | 14.67% | 11.76% | 1.92% |
| Q3 2024 | 13.63% | 13.63% | 14.88% | 12.11% | 1.84% |
| Q4 2024 | 13.48% | 13.48% | 14.73% | 12.24% | 2.13% |
| Q1 2025 | 13.35% | 13.35% | 14.60% | 12.21% | 2.21% |
| Q2 2025 | 14.22% | 14.22% | 15.47% | 12.55% | 2.40% |
| Q3 2025 | 13.74% | 13.74% | 15.00% | 12.46% | 2.07% |
| Q4 2025 | 13.85% | 13.85% | 15.10% | 12.68% | 2.20% |
| Q1 2026 | 13.98% | 13.98% | 15.23% | 13.13% | 2.47% |
| Q2 2026 | 15.00% | 15.00% | 16.25% | 13.23% | 1.93% |
Heartland Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)