Hoosier 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.
Reserve coverage of non-performing loans dropped 371.19 percentage points in Q2 2026, from 557.35% to 186.16%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Hoosier Heartland State Bank is 33rd of 87 on return on assets, 1.41% as of Q2 2026, above the middle of the field. Hoosier Heartland State Bank reported 1.41% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.35% |
| Tier 1 risk-based capital ratio | 10.35% |
| Total risk-based capital ratio | 11.47% |
| Tier 1 leverage ratio | 8.70% |
| Equity capital to assets | 7.10% |
| Tangible equity to tangible assets | 7.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.22% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 186.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 19.85% |
| Net interest margin | 4.20% |
| Efficiency ratio | 66.71% |
| Yield on earning assets | 5.96% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.87% |
| Core deposits to total deposits | 97.69% |
| Brokered deposits to total deposits | 0.61% |
| Deposits to assets | 91.85% |
| Securities to assets | 14.46% |
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 | — | — | — | 9.01% | 0.51% |
| Q4 2023 | 10.66% | 10.66% | 11.69% | 8.29% | 0.16% |
| Q1 2024 | 10.86% | 10.86% | 11.92% | 8.41% | 0.65% |
| Q2 2024 | 10.63% | 10.63% | 11.70% | 8.36% | 0.61% |
| Q3 2024 | 10.70% | 10.70% | 11.77% | 8.33% | 0.76% |
| Q4 2024 | 10.50% | 10.50% | 11.58% | 8.34% | 0.66% |
| Q1 2025 | 10.72% | 10.72% | 11.82% | 8.52% | 0.77% |
| Q2 2025 | 10.62% | 10.62% | 11.72% | 8.52% | 1.05% |
| Q3 2025 | 10.30% | 10.30% | 11.37% | 8.53% | 1.13% |
| Q4 2025 | 9.98% | 9.98% | 11.05% | 8.43% | 0.84% |
| Q1 2026 | 10.37% | 10.37% | 11.48% | 8.57% | 1.12% |
| Q2 2026 | 10.35% | 10.35% | 11.47% | 8.70% | 1.41% |
Hoosier Heartland State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hoosier 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 Hoosier Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15566) · FFIEC NIC profile (RSSD 157744)