Heartland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heartland State Bank of Redfield, SD against its peer group of 2672 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 | 2.65% | 1.34% | +1.31% | 95th top |
| ROAE | 28.84% | 12.05% | +16.79% | 97th top |
| Net Interest Margin | 5.24% | 3.90% | +1.34% | 95th top |
| Efficiency Ratio | 50.81% | 63.15% | -12.34% | 79th top |
| PPNR / Avg Assets | 2.77% | 1.64% | +1.13% | 93rd top |
| Yield on Earning Assets | 6.55% | 5.65% | +0.90% | 88th top |
| Cost of Funds | 1.45% | 1.85% | -0.40% | 72nd above |
| Net Interest Spread | 4.58% | 3.35% | +1.23% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.92% | -0.80% | 71st above |
| NPA / Total Assets | 0.09% | 0.67% | -0.58% | 71st above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 675.52% | 1645.55% | -970.03% | 77th top |
| Texas Ratio | 0.93% | 7.15% | -6.22% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.93% | 12.46% | -2.53% | 30th below |
| Equity / Assets | 9.34% | 11.67% | -2.33% | 33rd below |
| TCE / Tangible Assets | 9.34% | 11.40% | -2.06% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.57% | 78.64% | +11.93% | 27th below |
| Core Deposit Ratio | 92.85% | 87.09% | +5.76% | 73rd above |
| Wholesale Funding Ratio | 2.50% | 5.11% | -2.61% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.11% | 6.47% | -2.36% | 48th below |
| Loan Growth (Y/Y) | 15.83% | 7.64% | +8.19% | 87th top |
| Deposit Growth (Y/Y) | 9.87% | 6.02% | +3.85% | 82nd top |
See Heartland State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heartland State 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 State Bank profile, how to read a UBPR, or how this data updates.