Hoosier Heartland State Bank
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Data as of · sourced from FFIEC call reports. How we update
Hoosier Heartland State Bank is an FDIC-insured commercial bank headquartered in Crawfordsville, IN, established in 1899 (FDIC certificate 15566), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $356.3M, up 7.8% from Q2 2025, the 55th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 10.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15566
- Headquarters
- Crawfordsville, IN
- Established
- 1899
- Total assets, Q2 2026
- $356.3M
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 10.35%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074908112
- Latest call report
- Q2 2026, FFIEC 051 · Hoosier Heartland State Bank call report
- Holding company
- HOOSIER HEARTLAND STATE BANCORP
- Asset rank in state
- 55th of 87 in Indiana
Problem loans are rising at Hoosier Heartland State Bank. Based in Crawfordsville, Indiana, it had $356 million in assets at June 30, 2026, up 7.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.33% a year earlier. It holds common equity equal to 10.35% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it returns 19.9% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $1.2 million, 40% above the same quarter a year earlier. Over the same year, loans grew 11.0% and deposits grew 7.0%.
As of June 30, 2026, Hoosier Heartland State Bank reported a CET1 capital ratio of 10.35%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 5.85%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Hoosier Heartland State Bank is the 55th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $356.3M, loans rose 0.8% and deposits rose 3.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 31.6% of total loans, ahead of 1-4 family residential loans at 22.4%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in IN; its Crawfordsville 3 offices book 71% of its branch deposits. On its Q2 2026 call report, Hoosier Heartland State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1661 S Us Highway 231, Crawfordsville, IN 47933
- County
- Montgomery
- Metro Area
- Crawfordsville, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1899
- Former names
- Linden State Bank (1972-2009)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $327.3M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $354.4M
- Average total loans
- $260.7M
- Average interest-bearing deposits
- $264.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15566
- Fed RSSD
- 157744
- Website
- http://www.myhhsb.com →
- Parent Holding Company
- HOOSIER HEARTLAND STATE BANCORP (RSSD 3823657)
- Ultimate Parent
- RSSD 5759732
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Hoosier Heartland State Bank's total assets moved between a low of $305.3M (Q3 2023) and a high of $356.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$356.3M total assets against $330.6M; $331.0M total liabilities against $309.4M.
$261.4M net loans and leases against $235.6M; $327.3M total deposits against $306.0M.
$51.5M securities against $63.8M; $20.1M cash and balances due against $9.9M.
$4.8M total interest income against $4.5M; $1.4M total interest expense against $1.5M.
$3.4M net interest income against $3.0M.
$777K total noninterest income against $658K; $2.8M total noninterest expense against $2.6M.
$100K provision for credit losses against $85K.
$1.2M net income against $896K.
1.41% return on assets against 1.05%; 4.20% net interest margin against 3.83%.
10.35% CET1 capital ratio against 10.62%; 8.70% tier 1 leverage ratio against 8.52%.
Inside the full Hoosier Heartland State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHoosier Heartland State Bank rankings
Its closest position to the top of a national ranking is 1,156 of 3,640, for Texas Ratio; its furthest is 2,058 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q4 2024) to 1.41% (Q2 2026) and its net interest margin ran from 3.50% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.35% | 1.41% | 0.63% | 5.85% | 4.20% |
| Q1 2026 | 10.37% | 1.12% | 0.36% | 3.31% | 4.11% |
| Q4 2025 | 9.98% | 0.84% | 0.51% | 4.98% | 4.03% |
| Q3 2025 | 10.30% | 1.13% | 0.46% | 4.45% | 4.07% |
| Q2 2025 | 10.62% | 1.05% | 0.33% | 3.22% | 3.83% |
| Q1 2025 | 10.72% | 0.77% | 0.39% | 3.83% | 3.76% |
| Q4 2024 | 10.50% | 0.66% | 0.23% | 2.43% | 3.75% |
| Q3 2024 | 10.70% | 0.76% | 0.32% | 3.02% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hoosier Heartland State Bank (main office) | Crawfordsville , IN | 47933 | $134.6M |
| Darlington Avenue Branch | Crawfordsville , IN | 47933 | $97.6M |
| New Ross Branch | New Ross , IN | 47968 | $37.5M |
| Linden Branch | Linden , IN | 47955 | $24.0M |
| Ladoga Branch | Ladoga , IN | 47954 | $20.8M |
| Roachdale Branch | Roachdale , IN | 46172 | $12.4M |
| Nucor Branch | Crawfordsville , IN | 47933 | $409K |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| April 18, 2009 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 70 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 76 loans originated, $15.8M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $101K approved, $51K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hoosier Heartland State Bank
What are Hoosier Heartland State Bank's total assets?
As of the Q2 2026 filing, Hoosier Heartland State Bank reported total assets of $356.3 million in its FFIEC call report.
Where is Hoosier Heartland State Bank headquartered?
It is headquartered in Crawfordsville, IN, United States.
When was Hoosier Heartland State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Hoosier Heartland State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hoosier Heartland State Bank?
Hoosier Heartland State Bank's primary federal regulator is the FDIC.
What is Hoosier Heartland State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hoosier Heartland State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hoosier Heartland State Bank's Texas Ratio?
Its Texas Ratio is 5.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Hoosier Heartland State Bank previously called?
The charter now named Hoosier Heartland State Bank has also operated as Linden State Bank (1972-2009), per FDIC structure-change records.
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