Heartland Bank (Geneva, NE): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Heartland Bank is a locally rooted FDIC-insured community bank based in Geneva, NE. As of Q2 2026, the bank held approximately $911M in total assets and $755M in deposits. Profitability is strong, 2.18% ROA, paired with 19.20% ROE and a 4.43% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.25% exceeds the CBLR threshold. Asset quality is pristine, 0.43% NPLs and a 3.48% Texas Ratio. Heartland operates a 15-branch network.
As of June 30, 2026, Heartland Bank reported a Tier 1 leverage ratio of 10.25%, a return on assets of 2.18%, a nonperforming-loan ratio of 0.43%, a Texas ratio of 3.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 896 G St, Geneva, NE 68361
- County
- Fillmore
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1899
- Former names
- Geneva State Bank (2011-2014)
- Offices
- 15 domestic
- Employees (FTE)
- 112
- Domestic deposits
- $754.6M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $913.8M
- Average total loans
- $648.2M
- Average interest-bearing deposits
- $623.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 28, 1963
- FDIC Cert
- 18740
- Fed RSSD
- 88455
- Website
- www.myheartland.bank →
- Parent Holding Company
- GENEVA STATE COMPANY (RSSD 1834396)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Heartland Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Heartland Bank, freeHeartland Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | 2.18% | 0.43% | 3.48% | 4.43% |
| Q1 2026 | 10.23% | 1.84% | 0.30% | 3.43% | 4.13% |
| Q4 2025 | 9.65% | 1.59% | 0.28% | 3.49% | 3.97% |
| Q3 2025 | 10.10% | 1.75% | 0.19% | 1.39% | 4.00% |
| Q2 2025 | 9.95% | 1.61% | 0.25% | 1.90% | 3.93% |
| Q1 2025 | 9.96% | 1.61% | 0.18% | 1.36% | 3.88% |
| Q4 2024 | 9.88% | 1.49% | 0.01% | 0.40% | 3.76% |
| Q3 2024 | 9.93% | 1.40% | 0.01% | 0.42% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heartland Bank (main office) | Geneva , NE | 68361 | $208.3M |
| Fairbury Branch | Fairbury , NE | 68352 | $127.8M |
| Heartland Bank - Kearney Branch) | Kearney , NE | 68847 | $67.4M |
| Heartland Bank - Riverdale Branch | Riverdale , NE | 68870 | $57.5M |
| Daykin Branch | Daykin , NE | 68338 | $52.0M |
| Aurora Branch | Aurora , NE | 68818 | $47.9M |
| Heartland Bank, Hastings Branch | Hastings , NE | 68901 | $47.7M |
| Heartland Bank - Burwell Branch | Burwell , NE | 68823 | $34.9M |
| Odell Branch | Odell , NE | 68415 | $32.9M |
| Grafton Branch | Grafton , NE | 68365 | $28.3M |
| Shickley Branch | Shickley , NE | 68436 | $27.8M |
| Fairmont Branch | Fairmont , NE | 68354 | $13.0M |
| Heartland Bank, Grand Island Branch | Grand Island , NE | 68803 | $9.1M |
| Diller Branch | Diller , NE | 68342 | $0 |
| Drive-In Branch | Fairbury , NE | 68352 | $0 |
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 |
|---|---|---|---|
| February 5, 2024 | Structure Change | Acquired State Bank of Odell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2019 | Structure Change | Acquired Jefferson County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired State Bank of Riverdale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2010 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2002 | Structure Change | Acquired Grafton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2001 | Structure Change | Acquired Shickley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Heartland Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in NE, rank 25 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 73 loans originated, $12.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Heartland Bank
What are Heartland Bank's total assets?
As of the Q2 2026 filing, Heartland Bank reported total assets of $911.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heartland Bank headquartered?
Heartland Bank is headquartered in Geneva, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heartland Bank founded?
Heartland Bank was established in 1899, per the FDIC institution directory.
Is Heartland Bank FDIC-insured?
Yes. Heartland Bank is an FDIC-insured commercial bank (FDIC Certificate #18740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heartland Bank?
Heartland 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 Bank operate?
Heartland Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heartland Bank's Texas Ratio?
Heartland Bank's Texas Ratio is 3.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Heartland Bank previously called?
The charter now named Heartland Bank has also operated as Geneva State Bank (2011-2014), per FDIC structure-change records.
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