Heartland State Bank
Heartland State Bank is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $78M in assets, including $29M in loans. Profitability runs below industry average — 0.45% ROA, 5.18% ROE, with NIM at 2.93%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.86% exceeds the 9% CBLR threshold. Asset quality is impaired, with nonperforming loans at 3.46%. 2 branches make up the footprint.
Headquarters Profile
- Address
- 401 Main St, EDGELEY, ND 58433
- County
- Lamoure
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1921
- Branches
- 2 domestic
- Employees (FTE)
- 11
- FDIC Cert
- 3919
- Fed RSSD
- 837653
- Website
- www.heartlandstatebank.com →
- Parent Holding Company
- JBS, INC. (RSSD 1134966)
Capital & Liquidity
Inside the full Heartland State Bank terminal
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Heartland State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Heartland State Bank
What are Heartland State Bank's total assets?
As of the Q1 2026 filing, Heartland State Bank reported total assets of $77.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heartland State Bank headquartered?
Heartland State Bank is headquartered in EDGELEY, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heartland State Bank founded?
Heartland State Bank was established in 1921, per the FDIC institution directory.
Is Heartland State Bank FDIC-insured?
Yes. Heartland State Bank is an FDIC-insured commercial bank (FDIC Certificate #3919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heartland State Bank?
Heartland State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Heartland State Bank operate?
Heartland State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Heartland State Bank's Texas Ratio?
Heartland State Bank's Texas Ratio is 14.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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