Heartland State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.84 percentage points in Q2 2026, from 32.02% to 30.18%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Heartland State Bank is 50th of 60 on total deposits, $68.3M as of Q2 2026, below the middle of the field. Heartland State Bank reported $68.3M on total deposits for Q2 2026, 27% above the $53.8M median for banks in the < $100M asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $68.3M |
| Domestic office deposits | $68.3M |
| Foreign office deposits | — |
| Deposits to total assets | 90.26% |
| Deposits to total liabilities | 99.24% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $20.5M |
| Savings deposits | $5.5M |
| Transaction accounts to domestic deposits | 35.35% |
| Time deposits | $40K |
| Time deposits under $100k | $9.0M |
| Time deposits $100k to $250k | $12.4M |
| Time deposits over $250k | $6.1M |
| Noninterest-bearing share of deposits | 30.18% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $62.2M |
| Core deposits to total deposits | 91.10% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.43% |
| Interest expense on deposits | $290K |
| Loans and leases to core deposits | 47.31% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $55.7M | 94.57% | 2.70% | 1.36% |
| Q4 2023 | $59.0M | 94.88% | 2.55% | 1.83% |
| Q1 2024 | $59.1M | 91.87% | 2.55% | 2.46% |
| Q2 2024 | $57.7M | 92.00% | 2.63% | 2.67% |
| Q3 2024 | $56.3M | 93.42% | 0.00% | 2.83% |
| Q4 2024 | $57.2M | 91.05% | 0.00% | 2.94% |
| Q1 2025 | $63.8M | 91.89% | 0.00% | 2.79% |
| Q2 2025 | $64.2M | 91.49% | 0.00% | 2.67% |
| Q3 2025 | $62.0M | 89.27% | 0.00% | 2.65% |
| Q4 2025 | $65.4M | 89.75% | 0.00% | 2.64% |
| Q1 2026 | $70.4M | 90.37% | 0.00% | 2.50% |
| Q2 2026 | $68.3M | 91.10% | 0.00% | 2.43% |
Heartland State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland State Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 3919) · FFIEC NIC profile (RSSD 837653)