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 Geneva, NE against its peer group of 2603 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 | 2.18% | 1.34% | +0.84% | 89th top |
| ROAE | 19.20% | 13.32% | +5.88% | 84th top |
| Net Interest Margin | 4.43% | 3.93% | +0.50% | 76th top |
| Efficiency Ratio | 46.13% | 61.14% | -15.01% | 88th top |
| PPNR / Avg Assets | 2.73% | 1.68% | +1.05% | 93rd top |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 84th 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. | 0.43% | 0.94% | -0.51% | 48th below |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 38th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 254.50% | 1547.37% | -1292.87% | 55th above |
| Texas Ratio | 3.48% | 7.34% | -3.86% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.30% | 11.36% | -0.06% | 64th above |
| TCE / Tangible Assets | 9.31% | 11.09% | -1.78% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.41% | 80.66% | +5.75% | 37th below |
| Core Deposit Ratio | 89.69% | 86.85% | +2.84% | 53rd above |
| Wholesale Funding Ratio | 5.25% | 5.04% | +0.21% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.91% | 6.85% | -7.76% | 15th bottom |
| Loan Growth (Y/Y) | 2.71% | 7.92% | -5.21% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.19% | 6.29% | -1.10% | 59th above |
See Heartland Bank's peers by name
The 2603 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.