Heartland State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.87 percentage points higher than in Q1 2026, at 90.57%. Among 56 South Dakota banks, Heartland State Bank sits 2nd from the top on return on assets, 2.65% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Heartland State Bank reported 2.65% on return on assets in Q2 2026, 1.41 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 675.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.65% |
| Return on equity | 28.84% |
| Net interest margin | 5.24% |
| Efficiency ratio | 50.81% |
| Yield on earning assets | 6.55% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.57% |
| Core deposits to total deposits | 92.85% |
| Brokered deposits to total deposits | 6.86% |
| Deposits to assets | 87.69% |
| Securities to assets | 12.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.26% | 12.26% | 13.08% | 9.72% | 2.21% |
| Q4 2023 | 11.88% | 11.88% | 12.68% | 9.21% | 1.17% |
| Q1 2024 | 12.16% | 12.16% | 12.96% | 9.46% | 2.23% |
| Q2 2024 | 12.33% | 12.33% | 13.15% | 9.60% | 1.90% |
| Q3 2024 | 12.12% | 12.12% | 12.93% | 9.79% | 2.24% |
| Q4 2024 | 12.04% | 12.04% | 12.84% | 9.60% | 1.86% |
| Q1 2025 | 11.93% | 11.93% | 12.71% | 9.82% | 2.35% |
| Q2 2025 | 11.69% | 11.69% | 12.45% | 9.86% | 2.50% |
| Q3 2025 | 11.31% | 11.31% | 12.04% | 10.00% | 2.70% |
| Q4 2025 | 10.73% | 10.73% | 11.43% | 9.72% | 2.34% |
| Q1 2026 | 10.86% | 10.86% | 11.56% | 9.87% | 2.24% |
| Q2 2026 | — | — | — | 9.93% | 2.65% |
Heartland State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)