Heartland Bank
Heartland Bank is an FDIC-insured commercial bank. Total assets stand at $2.0B. Returns are notably above industry norms: 1.24% ROA, 12.98% ROE, and 3.28% NIM. Capital cushions are healthy: 12.78% CET1, 9.95% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.31%. Its footprint covers 23 branches concentrated in Ohio.
Headquarters Profile
- Address
- 430 N Hamilton Rd, Whitehall, OH 43213
- County
- Franklin
- Metro Area
- COLUMBUS, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 9
- Established
- January 1, 1911
- Branches
- 23 domestic
- Employees (FTE)
- 264
- FDIC Cert
- 9443
- Fed RSSD
- 853112
Capital & Liquidity
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Heartland Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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Frequently asked about Heartland Bank
What are Heartland Bank's total assets?
As of the Q1 2026 filing, Heartland Bank reported total assets of $1.97 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heartland Bank headquartered?
Heartland Bank is headquartered in Whitehall, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heartland Bank founded?
Heartland Bank was established in 1911, per the FDIC institution directory.
Is Heartland Bank FDIC-insured?
Yes. Heartland Bank is an FDIC-insured commercial bank (FDIC Certificate #9443). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heartland Bank?
Heartland Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heartland Bank's CET1 capital ratio?
Heartland Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.78% in its most recent quarterly filing — above regulatory minimums.
How many branches does Heartland Bank operate?
Heartland Bank operates 23 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Heartland Bank's Texas Ratio?
Heartland Bank's Texas Ratio is 4.34% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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