# HEARTLAND BANK
LEAWOOD, KS · FDIC certificate 1361 · asset band <$300M · latest filing 2012-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $96.0M | |
| Deposits | $89.7M | |
| Loans and leases | $64.5M | |
| Total equity | $971,000 | |
| Loans / deposits | 68.37% (p48 of band) | 69.17% |
| Liquid assets / assets | 27.03% (p32 of band) | |
| Uninsured deposits / deposits | 1.03% (p5 of band) | 8.28% |
| Brokered deposits | 0.31% | |
| Wholesale funding | 3.44% (p59 of band) | |
| FHLB advances / assets | 3.12% | |
| Tier 1 leverage | 0.99% (p0 of band) | 10.02% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 3.21% |
| AOCI / equity | 0.00% (p38 of band) | |
| ROA (annualized) | -2.69% (p2 of band) | 0.78% |
| Net interest margin | 2.32% (p4 of band) | 3.76% |
| Efficiency ratio | 344.80% (p100 of band) | |
| Noncurrent loans | 4.95% (p87 of band) | 1.31% |
| Net charge-offs (annualized) | 2.46% (p98 of band) | |
| Reserve coverage of noncurrent | 97.68% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 2103.30% (p100 of band) | |
| Auto loans | $15,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -24.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  |  |
| 2011-09 | 8 | capital falling | reserve under noncurrent |
| 2011-12 | 8 | NIM <2.5% | capital falling |
| 2012-03 | 9 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 13 | capital falling, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-06 [Kansas Bank Collapse Becomes Fourth Bank Failure This Year - KBRA](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdzdDVUJoamNSU21GNmo1N2JuUS1vRDdYT29yd1MwT0pOdjBlOU1xSjQzNUlWUDNNZVdBYTBhUlUyRGFFb184bGlkemZoa3hkQm9XYWZnc2VDVUtWM3F2OWlhUVdGY0F0aGJtZ0tXdlQ3ZUFHMEF4X0d2UHNCdkZuQlVFLWlxekpIeWpxOW1IcTJabjRFN3NoaXpVbElJeGRjZWlmUzU3ckc1UlVwbGRfQQ?oc=5) · KBRA
- 2025-02-28 [The Cryptocurrency Scam That Turned a Small Town Against Itself (Published 2025) - The New York Times](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZ1l3RGR5cHFycFppZ2ZvVWtMbGlabGJHTFpvWnBGVjc3OWtMYThSTU05RXkzUl9JRUdaTjBOQzc1bFo2aXg2M0JXRGpRY0hocDd1TFg5WXpaeTBwVHVqRDZCU1AwekpLYlExMDd2VlBLaW1YZGhHRUktb0wzMHo2aFlCbDd5elRVME5KYnJuSWVZX0Jw?oc=5) · The New York Times
- 2024-04-07 [A bank failure shattered trust in this Kansas town. Only honest talk will heal it. - Kansas Reflector](https://news.google.com/rss/articles/CBMivAFBVV95cUxPRG84bXJDbW13T2Y2Tkd4ckh2UzhDN1dnTl9zSG1PRXhWRnp1N3B3allFWFhwc0hZTmdOYm8wZ3JfSUVBc2dqN3JfdkFMMU5uYUFFS2ZIQnlMazczOFh4T2pNNE5md2JwYXg5STZmTGJPSGI2aGZIVEZTMHZIX1JrZnZvbWNSYV9nVVRhV1NLWVMwbllaeEYyR1JLSUZhRDJid1ZwcHMwQlk5ZzFueDRTTFplY3RGQy1MRl94eA?oc=5) · Kansas Reflector
- 2024-11-22 [Fed bans CEO of failed Kansas bank from industry - Banking Dive](https://news.google.com/rss/articles/CBMilAFBVV95cUxQTlk5MVZmTlJhM0V1cUVMTUdEd28ySVNlQjd0YTRKZ1FhNGpPakVYQ1NCaXpWTlZJa0JjZTlFTEh2bjF3djlGMHFEcjFpTVYyUkVYTGtWaVZ1UVY0SW1KZkdhbllZRW9fVHVfYkpERzdJMG04YllWSjJKa0FiZnB5eWlGMVJSMHc4a3lOTjBIcnFGdlJ5?oc=5) · Banking Dive
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-08-21 [Cryptocurrency 'pig butchering' scam wrecks Kansas bank, sends ex-CEO to prison for 24 years - CNBC](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbFNvZDVRNEQ5NE5kN1ZhVVFWZEx5Q1JLX1QzYkE3NHJjdTJZdmxPNDBSOTBRWHByRnlxSmpPX2djT25iSkRySm55MVRXNVhfUUVnS2NPVnJMWlFpWkEtTTZvdENRc1FqbkJLZVU0NHdVM3RXeUpWYTF2LVJueXFvb21BZ1hjUXYwdFHSAY8BQVVfeXFMUHo0R253TXR4b0xtaWhZWm9mUkt6ZzNHam5KcUZpMlJ2X3pGSU1vTnczVWNfXy1aOXRzR3A0cGdBaDRva05mY1JTS2ViQUF2Q043WDRYRWV5ZzcydWloNkxGdnJpSl9UcjRNUDhSckk3eE44cjVhOEdpaW5nMDJGRjRMOEFfb18zM3ZSQzkzTEk?oc=5) · CNBC
- 2024-08-27 [First Business Bank adds 26-year banker to lead KC commercial banking - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdXBnczd6aEZfdVhDa0g2Vk1mVVpkMmlMZDNrdlRuRjJsTkdnUXhCZ0VmRTFXQ1BRcHRXdWpXVlRnaUxxcEZZNWxCTEFySGszRjFYSUFqUmNJY0U5SFloUkdMVzhEOVp0Mm1CZDl0S2hsWUlpU3ZpYzBWZnBPUFh2ejlKN3U3aFY5bjFIcU1XUUVsemFtUjFyMFJLakdFVWlocU1tcTRfYw?oc=5) · The Business Journals
- 2024-08-22 [Ex-bank CEO sentenced to 24 years for embezzling $47M in crypto scheme - New York Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxNelVhUF9lb2Z4dVhuZUNiUy1BMUhUQWwzQ2JlbFdoN3RzUDN3VDZheV9YREhLQVJoVTVDbm03Q0tLMTBmXzRaMTNYTnRCT21VWlFwUm5uNHNBWjM2Q2I1VU9sNTlMM0ZnVXU2QUt3TEZkQ2NINEhWWDhtZFpYOHEzNEh3MGRiaFdMZUxBV2FGSG5HRjBnbFRqWk8tcUZmSjNo?oc=5) · New York Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1361 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "1361", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide