# HEARTLAND BANK
GENEVA, NE · FDIC certificate 18740 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $911.1M | |
| Deposits | $754.6M | |
| Loans and leases | $652.1M | |
| Total equity | $103.0M | |
| Loans / deposits | 85.47% (p60 of band) | 82.04% |
| Liquid assets / assets | 21.64% (p38 of band) | |
| Uninsured deposits / deposits | 22.48% (p38 of band) | 25.97% |
| Brokered deposits | 0.67% | |
| Wholesale funding | 5.92% (p62 of band) | |
| FHLB advances / assets | 5.25% | |
| Tier 1 leverage | 10.25% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -12.85% (p37 of band) | -8.10% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 2.01% (p87 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 48.46% (p15 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 864.36% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 38.52% (p45 of band) | |
| Auto loans | $3.6M (0.55% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 112 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 2 | wholesale funding >15%, capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2014-06 | 1 | wholesale funding >15% |  |
| 2014-09 | 3 | loans exceed deposits, capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | brokered >10%, wholesale funding >15% | reserve under noncurrent |
| 2018-03 | 1 |  | wholesale funding >15% |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 2 | wholesale funding >15%, capital falling | securities losses >30% of equity |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | wholesale funding >15% |  |
| 2025-03 | 0 |  | wholesale funding >15% |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | wholesale funding >15% |  |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-22 [Heartland Bank & Trust Co Buys New Shares in Salesforce Inc. $CRM - MarketBeat](https://news.google.com/rss/articles/CBMivwFBVV95cUxQRkR1SHBqRzE4WWtseU83WGEzQ3dpOG1MYk42SVVObWJhazhPUUN0SDFnTk9jekFLUVNJZ190dkJOQTByQjB2WTRYRFFTSy1QMmstX1Y3SzlWUnZERFFYU0M1dDdpVkpyUlF1ZUF5SXY0Q0N4elcwYWhlbnkwSnRqQTNRWmVvMnlPbVNTeGlwc2RXbU43ZlA3S0lNbFFQVGJEbmViUGhvVHRVdzJqdzRGeTFIQXJ5SjljNWNoTXlzTQ?oc=5) · MarketBeat
- 2026-06-01 [New Zealand Banks Agree Merger to Challenge Larger Rivals - Bloomberg.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNdDhPTUNFZmFEUm1CdmVGOGp0cUlnaUJMeF9LX0dsb0dMVGZnUFJ0TktXTjVtcC1qNmFkT1FLUXh6RU45dURZMERkVkFMeUkzb1gxQ0s2bTNzd0V2emgwbk10RXEwUm02dmh0M0hjR1JWUXMycXJGbUwtS1NUNU1hX0RQY19idllWc1VTMDNnMEd2QU02XzNOSUgxTWl0T1BPTl8tVkpIRGhyaDkx?oc=5) · Bloomberg.com
- 2026-06-04 [Heartland Bank opens new branch in DeKalb - Shaw Local](https://news.google.com/rss/articles/CBMimwFBVV95cUxPd3Jhb0hTdGZrd0V1MEpKcnR0aDZ2MHliMU4tN3lFUEkxZzJkR0k1SHFwX1JaOTV6V20tZzRlTDRIUGxzRFVIUlNxcWJnX25JUFcwYVNUTmNlMEpuQ21sRWZmQ1R2a2lvX0p4WktHRzN6M0NVOUZEcFFRU1UxS1ZRak1VWEZQUWlXeWFTWURGaGppdFpLQWtUSVlOYw?oc=5) · Shaw Local
- 2026-06-02 [Heartland to acquire TSB in $620mln deal - mpamag.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZDl5S1ZXTmNfMmxIamFQZzU1VXhBZkdja0huLTlCY292SnJSeGQ0OXA2RHZEUmpkMWhlUkcxdWZreHduLU5TcEhtTEJ4WWJvaUpaU1R6S0daQjFpUUtOMW1MRFlaQXJNdHc1YnRtaDQ3ajVFcklRNmFJZVEwcFBfcm8taDh3dGdCMF9UamNn?oc=5) · mpamag.com
- 2026-02-25 [True NZ Launches First Work for Heartland Bank - Little Black Book | LBBOnline](https://news.google.com/rss/articles/CBMieEFVX3lxTFA3Z3NCbzBhVnlPSGJlT2tuQTdpOEtoNS02NzNvY1dJN3VqNm5uWU5WNS13bUp0Rm4wOTA5Z3FyQmpHaThmeWZwd3NuUml1THZ0WFBfbFZWN09KTERnbjVDTlI2TDVBeXI1TjI2Vm9QSEJialkxRGxTZQ?oc=5) · Little Black Book | LBBOnline
- 2026-06-02 [Heartland Moves To Buy TSB And Create TSB Heartland Bank - Finimize](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVTNyOGI3MlBqckZXLUwtWnJsSUpUeVFhUlJkXzdKTGh3N2JHU1kwaFB5cXQtSkJtMTVvaVNNRWVZcUdVRlB6NFpqN1ZQVGhEN3VlYTlXdW85eGpnQTAxNzUtZ3lTY3h3cXNYa1ZQd2NsQkk5YV9rNkNXTE5ZWVFzbVFJN00yZUR1cklwb3FR?oc=5) · Finimize
- 2026-02-27 [Heartland swings to first-half profit | NZ Adviser - mpamag.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNT2RkVzNXYl8ydEdaOUtjNzZZc1pzOUpoNFVvT2tfVTIxSXdCR3hBandfY3NWTlJEMDd2bHh0bFdDRmRpNXdkRkhWMlIwZjR6Zjh6R09sX2tPUmpHZHlROTh2VTdqWG1qdGx2TkhnOGsxZmd6UEhWTl9fZmx3MUZpTFNUUkp1ZG9DUVY0?oc=5) · mpamag.com
- 2026-06-01 [Heartland to buy TSB for $620m to create larger challenger bank with a regional focus - NZ Herald](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOcmF1d0diNk5DdzBMbnRWQW1QVFF6bWUxcjQ4M3RfbmpHcVdXdWJLcDNFb0VIbnZDM2pWQlFtaDlGMDIzdkkwQi1GcW5MNjQzcDdfZTc0RzJBVWd6MzhKelVwUWM3emh5Z1p4WU5maVRHVS1UU2FpVmsxZ2RYNl9jdFZBd2NsbFlvQ3N0eE12ZmZzNFdsem5YV3NYZGJCOVZjRUhOaEpRYS1JaHFkTVVTX0NPZnhlNWc2SG5ZZjI0WXE4WEwxVWd1S1JXTlkwZWxFXzBtbkR4dENZdEh3T3ZSRWFyQjRSYUU?oc=5) · NZ Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18740 (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/52.json (key "18740", 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