# HEARTLAND BANK
SAINT LOUIS, MO · FDIC certificate 28694 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $911.0M | |
| Deposits | $767.9M | |
| Loans and leases | $658.6M | |
| Total equity | $86.6M | |
| Loans / deposits | 84.33% (p57 of band) | 80.75% |
| Liquid assets / assets | 17.19% (p24 of band) | |
| Uninsured deposits / deposits | 50.40% (p98 of band) | 19.51% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 4.38% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.76% (p18 of band) | 10.04% |
| Unrealized securities loss / equity | 1.58% (p59 of band) | 1.00% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.00% (p3 of band) | 0.89% |
| Net interest margin | 0.00% (p0 of band) | 3.63% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 2.97% (p91 of band) | 0.89% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 56.13% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 90.91% (p88 of band) | |
| Auto loans | $261,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $8.1M (9% of equity) (p96 of band) | |
| Deposits YoY | 15.8% | |
| Employees | 343 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90, capital falling |
| 2012-06 | 1 |  | leverage <7%, deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-03 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2013-06 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  | assets shrinking |
| 2013-12 | 4 | loans-to-lenders >50% equity |  |
| 2014-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2014-06 | 4 | capital falling | deposits shrinking |
| 2014-09 | 3 |  | loans-to-lenders >50% equity |
| 2014-12 | 6 | uninsured deposits >50%, run vulnerability, NIM <2.5%, noncurrent p90 | expense ratio p90 |

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

- 2026-03-06 [HBT Financial completes $182M merger, expands into St. Louis and Chicago markets - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZUdENTNaZ1BCWjM3OWROQUFiLTdGc1hHcDNWWVBoUk13eDIyZ0FER1NaVmJfQnRDTmhldmNWcGNCd29fTDgxVXRvbXZ3RUpLbGpmUWxtUGtPSzdhOHhMRXlxZm5TQW01UWxISzdMWWJDbW9JOGhZTVhoU3ZycnNGdFNOMldmM0N4bzMwMmwxYlFkcEFNZ2dQdWxNYlhMRDI5blE?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-26 [HBT & CNB Announce Bank Merger - taylorvilledailynews.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ISXR5Mjl0N0VHTjlpWmJyM2daTnlCYmtzZkN0U2RLZklmTGRWZlVTeEVFWlFJaGdQNjhLdmNLZ09TUnh2Wi1MQWQxUDlTRlYwTEZEV2pkcVVBV2pubTN2VFFzWUZkWGhCdUwySWNpMjF0ekxV?oc=5) · taylorvilledailynews.com
- 2026-02-04 [Forbes 2026 America's Best Banks List | Top Ranked and Rated - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBrbWc0QzhhUnVtRVhDWVM4bl9kLTh0NC03SDNEQjRLNkRVdmphMWItazhVejNfLTBNLTBDaDZDMXJJdWpfbzJCNVo4MnVOSGk0YVRTN3ZXbnVqdVRvcGc?oc=5) · Forbes
- 2025-10-20 [Heartland Bank and CNB to merge in deal worth more than $170 million - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMifkFVX3lxTE5ibWQtczdQN0txXzR3ZlZEN2ZJR0ctTC1DZ0c3eUFQNzRlYTVNTFJkaFQza0hpbll0RkRudk5qdk1CNjBVWlJmNGpKV01TbDRWbV9fT24zREUtNzVSMWxlRE1rZ05hMmNvNWc1VkExa3dPX25tTENMUmVxZHUzZw?oc=5) · Jacksonville Journal-Courier
- 2025-10-21 [Illinois’ HBT makes a $170.2M deal to stretch footprint to St. Louis - Banking Dive](https://news.google.com/rss/articles/CBMilAFBVV95cUxOa2Q5cGhBQzFaM2x4V3ktblVMQUtyZjhuTC1yQW0zRlpFYU1aeTl3YWNmeVFRX19JRXBLRW9kb1BFcElhX29EcFlTVEotOTZQaGpaeWhLemZCQkNoN0FPTWdZcTFhQXFHXzZQXzJRd0FFOE9MRkJVcEJ0b3hLU3U2RVNPbXpjSUcwRHU4dFFwcnpqMkps?oc=5) · Banking Dive
- 2025-10-21 [HBT Financial Inc., CNB Bank Shares Inc. jointly announce merger agreement - Illinois Business Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUmRpVFpnVEJQVUlXVUR6TVMxb1J0ZzVHTjMwOFVCU1pONFRBRWQxaXMyOFQ2VGpGMEE5WjBOdkV6Rk53Q2Y1ckJVWjN0eEFSaFVFTUpLMXZhN3NQbzZYczB0cW5LNm5IVndCNC11Q0RUY2VQUndsdWdMRE9HWmc1bW1CVTNmdVFQV1FKSDJjZm9GSmFaT3MyZnd3dXc5TDY3WUw5a3I4di1VbWJ6c0E?oc=5) · Illinois Business Journal
- 2022-08-31 [Heartland Bank - Ladue News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOa2dsekxuaC15c0Vsa2k2WjhQbHo5NktGZjdyN3k4MkZPY3BObi12cGlVMW1UMUtGMmxadVhMbU1oZDNKNHhqZEdOTTdBa0pqMURWS2dZUjZWOUJUMGZNcko3aDB4aDR6NTFVZmwyRVJOOHl0WlhVUExwa0Y4T2NkU1pDU0Zfc20zSlRfR0JaenhSTmRuUkxUVXI0cHBHRkdK?oc=5) · Ladue News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28694 (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/22.json (key "28694", 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