Heartland Bank (Geneva, NE)
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Data as of · sourced from FFIEC call reports. How we update
Heartland Bank is an FDIC-insured commercial bank headquartered in Geneva, NE, established in 1899 (FDIC certificate 18740), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $911.1M, down 0.9% from Q2 2025, the 24th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18740
- Headquarters
- Geneva, NE
- Established
- 1899
- Total assets, Q2 2026
- $911.1M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 10.25%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 104901597
- Holding company
- GENEVA STATE COMPANY
- Asset rank in state
- 24th of 138 in Nebraska
Heartland Bank is one of the more profitable banks of its size. The Geneva, Nebraska bank had $911 million in assets at June 30, 2026. It earns about $2.18 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $5.0 million, 33% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $13 million equal 15% of Tier 1 capital, down from 21% a year earlier.
As of June 30, 2026, Heartland Bank reported a return on assets of 2.18%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.92%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Heartland Bank is the 24th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $911.1M, loans rose 1.6% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.8% of total loans, followed by agricultural production loans at 28.7%. The FDIC Summary of Deposits lists 15 offices for it, in 14 cities in NE; its Geneva office books 28% of its branch deposits. Judged on its Q2 2026 call report, Heartland Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 896 G St, Geneva, NE 68361
- County
- Fillmore
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1899
- Former names
- Geneva State Bank (2011-2014)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 112
- Domestic deposits
- $754.6M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $913.8M
- Average total loans
- $648.2M
- Average interest-bearing deposits
- $623.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 28, 1963
- FDIC Cert
- 18740
- Fed RSSD
- 88455
- Website
- www.myheartland.bank →
- Parent Holding Company
- GENEVA STATE COMPANY (RSSD 1834396)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Heartland Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Heartland Bank's total assets ranged from $807.4M (Q3 2023) to $948.5M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$911.1M total assets against $919.5M; $808.1M total liabilities against $821.3M.
$644.9M net loans and leases against $627.9M; $754.6M total deposits against $717.4M.
$180.2M securities against $200.1M; $17.1M cash and balances due against $17.9M.
$12.4M total interest income against $12.2M; $3.2M total interest expense against $4.1M.
$9.1M net interest income against $8.1M.
$2.7M total noninterest income against $2.1M; $5.6M total noninterest expense against $5.4M.
$0 provision for credit losses against $75K.
$5.0M net income against $3.7M.
2.18% return on assets against 1.61%; 4.43% net interest margin against 3.93%.
10.25% tier 1 leverage ratio against 9.95%.
Inside the full Heartland Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHeartland Bank rankings
Its closest position to the top of a national ranking is 330 of 3,611, for ROA; its furthest is 2,724 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.40% (Q3 2024) to 2.18% (Q2 2026) and its net interest margin ran from 3.72% (Q3 2024) to 4.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | 2.18% | 0.13% | 0.92% | 4.43% |
| Q1 2026 | 10.23% | 1.84% | 0.26% | 3.08% | 4.13% |
| Q4 2025 | 9.65% | 1.59% | 0.23% | 3.14% | 3.97% |
| Q3 2025 | 10.10% | 1.75% | 0.14% | 1.05% | 4.00% |
| Q2 2025 | 9.95% | 1.61% | 0.20% | 1.53% | 3.93% |
| Q1 2025 | 9.96% | 1.61% | 0.18% | 1.36% | 3.88% |
| Q4 2024 | 9.88% | 1.49% | 0.05% | 0.40% | 3.76% |
| Q3 2024 | 9.93% | 1.40% | 0.06% | 0.42% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heartland Bank (main office) | Geneva , NE | 68361 | $208.3M |
| Fairbury Branch | Fairbury , NE | 68352 | $127.8M |
| Heartland Bank - Kearney Branch) | Kearney , NE | 68847 | $67.4M |
| Heartland Bank - Riverdale Branch | Riverdale , NE | 68870 | $57.5M |
| Daykin Branch | Daykin , NE | 68338 | $52.0M |
| Aurora Branch | Aurora , NE | 68818 | $47.9M |
| Heartland Bank, Hastings Branch | Hastings , NE | 68901 | $47.7M |
| Heartland Bank - Burwell Branch | Burwell , NE | 68823 | $34.9M |
| Odell Branch | Odell , NE | 68415 | $32.9M |
| Grafton Branch | Grafton , NE | 68365 | $28.3M |
| Shickley Branch | Shickley , NE | 68436 | $27.8M |
| Fairmont Branch | Fairmont , NE | 68354 | $13.0M |
| Heartland Bank, Grand Island Branch | Grand Island , NE | 68803 | $9.1M |
| Diller Branch | Diller , NE | 68342 | $0 |
| Drive-In Branch | Fairbury , NE | 68352 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| February 5, 2024 | Structure Change | Acquired State Bank of Odell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2019 | Structure Change | Acquired Jefferson County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Structure Change | Acquired State Bank of Riverdale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2010 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2002 | Structure Change | Acquired Grafton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2001 | Structure Change | Acquired Shickley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in NE, rank 25 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 73 loans originated, $12.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heartland Bank
What are Heartland Bank's total assets?
As of the Q2 2026 filing, Heartland Bank reported total assets of $911.1 million in its FFIEC call report.
Where is Heartland Bank headquartered?
It is headquartered in Geneva, NE, United States.
When was Heartland Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Heartland Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18740). 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 FDIC.
How many branches does Heartland Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heartland Bank's Texas Ratio?
Its Texas Ratio is 0.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Heartland Bank previously called?
The charter now named Heartland Bank has also operated as Geneva State Bank (2011-2014), per FDIC structure-change records.
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