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.
Reserve coverage of non-performing loans dropped 110.91 percentage points in Q2 2026, from 365.40% to 254.50%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Heartland Bank is 15th of 138 on return on assets, 2.18% as of Q2 2026, above the middle of the field. Heartland Bank's return on assets of 2.18% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 11.30% |
| Tangible equity to tangible assets | 9.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.48% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 254.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 19.20% |
| Net interest margin | 4.43% |
| Efficiency ratio | 46.13% |
| Yield on earning assets | 5.97% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.41% |
| Core deposits to total deposits | 89.69% |
| Brokered deposits to total deposits | 0.81% |
| Deposits to assets | 82.82% |
| Securities to assets | 19.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.27% | 1.39% | 3.83% | 0.01% | -0.00% |
| Q4 2023 | 10.14% | 1.43% | 3.60% | 0.00% | 0.00% |
| Q1 2024 | 9.71% | 1.31% | 3.66% | 0.00% | 0.00% |
| Q2 2024 | 9.76% | 1.39% | 3.76% | 0.01% | 0.00% |
| Q3 2024 | 9.93% | 1.40% | 3.72% | 0.01% | 0.02% |
| Q4 2024 | 9.88% | 1.49% | 3.76% | 0.01% | -0.02% |
| Q1 2025 | 9.96% | 1.61% | 3.88% | 0.18% | -0.01% |
| Q2 2025 | 9.95% | 1.61% | 3.93% | 0.25% | 0.02% |
| Q3 2025 | 10.10% | 1.75% | 4.00% | 0.19% | 0.00% |
| Q4 2025 | 9.65% | 1.59% | 3.97% | 0.28% | 0.00% |
| Q1 2026 | 10.23% | 1.84% | 4.13% | 0.30% | 0.00% |
| Q2 2026 | 10.25% | 2.18% | 4.43% | 0.43% | -0.00% |
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 18740) · FFIEC NIC profile (RSSD 88455)