# HEARTLAND COMMUNITY BANK
BENNET, NE · FDIC certificate 34053 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $62.3M | |
| Deposits | $54.7M | |
| Loans and leases | $37.4M | |
| Total equity | $4.2M | |
| Loans / deposits | 67.92% (p47 of band) | 69.17% |
| Liquid assets / assets | 35.86% (p52 of band) | |
| Uninsured deposits / deposits | 7.36% (p44 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.48% (p64 of band) | |
| FHLB advances / assets | 4.48% | |
| Tier 1 leverage | 6.72% (p5 of band) | 10.02% |
| Unrealized securities loss / equity | 10.60% (p86 of band) | 3.21% |
| AOCI / equity | 0.00% (p38 of band) | |
| ROA (annualized) | 1.07% (p67 of band) | 0.78% |
| Net interest margin | 4.00% (p64 of band) | 3.76% |
| Efficiency ratio | 75.54% (p56 of band) | |
| Noncurrent loans | 0.31% (p23 of band) | 1.31% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 245.30% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 48.28% (p80 of band) | |
| Auto loans | $1.3M (3.45% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |

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

- 2010-11-18 [Heartland Community Bank Opens Branch In Little Rock - KATV](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYzVlRU5rdVAxVVhlSFBIVEpHdmVBWFRVQk5LNzgxYV82dGlwc3MyNUU0d0dVREFQUExNWUJMelpycy1YOElMZzF4Mi1PaDBpMkpzV2ZaUGF0and2dTVqRkR1OU5YdHRxeVJzdE9XeldSZmd6WVRJeWZBemhqeEpTUUI3SQ?oc=5) · KATV
- 2014-02-06 [Heartland Founder Retires After 41 Years in Banking - townepost.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVmJ3bXczNmNlb1hiVUlCVURxbHBrdDZ5WnQ1TW5SczFYWlB5RHlEdVhXa1d3NXZCa19FZWV4MktGbzM0Um1vckVzcW0xT2lrTkJKS3czZm14MmRrSjdjNFVDMWx2cGRvRGE4Z00xRFlUSjlKSS1hcWdsRTUyM1JqaGdaTVhWdmUzLWlEUFBzX1ZsdlkwRk1Z?oc=5) · townepost.com
- 2026-01-24 [North Salem State Bank expands board with appointment of Jeff Joyce - giant.fm](https://news.google.com/rss/articles/CBMiugFBVV95cUxPb19pT0hONk1TYXNXbF9VWUNMelVaUkcyLVBpWU0xc2lnZUpfb2tYYU9yWldhTFZLaHhxZm9xZkl4eGZydXZvNFYxR29sa3R4VGVLZ0NQWDB5UU5Sb3FVdGYyWHljWnBZNEhjUXIxSEwtTTh6LUtteXFOaXR2S3V6d0lRZlo2NlBWcnBGS0FSelJoY2psY09HVlE5NGtZSkZQc2thdllrU1VkSHQ3YzNwNGlaNzhHTU0xVWc?oc=5) · giant.fm
- 2024-08-22 [Investigation launched into over $100K stolen from Indiana church - Christian Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZU1vU2xhZW0ySU5tTVFVcmw2OEVRSlFoY3lQRk1kNlo0VC0yTWowWmFtazdFZVcydzQtYWZUSDFhVlhFWjRNNmJueFlZTzQwb1k4TEpFS2hyMzNtNVpycENacWdJcHZYQWZ6VUdEQ1lTTUpRZzN0aUE4dmRTT1JFeU0xMkJOcm03Y3ozRVZQajVBZEc4T2pLQnBmMUhQMmcwN0pXZHhOZw?oc=5) · Christian Post
- 2021-10-11 [Tiney McComb Obituary (2012) - Gahanna, OH - The Columbus Dispatch - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbm5zWHJDZTlXQ3FLNXYzVTFpNGxGdmRyOWdlZktKVXhfX3J0WF8zWjQ5LTk5YjFRLXRUaGNQbGZHel9QdVhueW9vQ2RieFZ6WTBNUGpCcnc2NVBkNTFMYWdVVG1wNm51TnlVMGNpVmNLeFdmRzJjQ0dQS202WnN5cEtSQ2p5Skp4dlNN?oc=5) · legacy.com
- 2021-06-26 [Local Business News - dailyjournal.net](https://news.google.com/rss/articles/CBMibEFVX3lxTE9EenQ4bFdyb0VDZWtqRy1JaUl1dl83ZzR3dHpVY2ZNWmZPOGlRVzRrMGNObXVSRnlCaWp3bGptc3dEZ3QtLXhiZURtcWsxd2R5V0xyZWl6NF96aTlXZkJ2djZTY1p4X2VFa2o5Zg?oc=5) · dailyjournal.net
- 2023-12-01 [LLCC Foundation announces 2023-2024 scholarship recipients - Springfield Herald News](https://news.google.com/rss/articles/CBMimgFBVV95cUxPanVHZENaYXpsM1VqVER5VHdzQVNrT1FuaHItNWk2OXlMQVc5clhKXzMxeUNrM0FXeDNvbEwxeF96NmZ1Zm9LRTRLTU5MejcyR3VseUlRLTN6anNjcUZqd2dtWE9UN3AwQnNITzlUUmFkZUVyUXptc1lvMmgzd2dJV3NkbDZMOV9Gd1VKT0lEUkxTSUtPOWN5RXFB?oc=5) · Springfield Herald News
- 2013-07-01 [Teen killed in moped accident in Greenwood - Fox 59](https://news.google.com/rss/articles/CBMidEFVX3lxTE1QSzhhVWozMHpMTHlFZzlfcXBUQjdlNGZ5d1FpMUUzME9aTWxOejY1UVRwTk1Tdy1qMGRHaWJ3NXZoQ2pWU3Zmc2FUbmp4cllOZy1lVFY2M1ZXX2ZiY3hiWFpPRlRNcjJNNU9sTWpqNklmOXVR0gF6QVVfeXFMTWw1aTcxRDdSQXBmX01TRTN1NUhUNjBFX3hBYVpoWHQ4czRSdWVMdE9EUHR1Vm4tTk9MY0JjNVYtaWxiNG1jSk1TWnFtcFE4U3I2aTI1WWZwdXFvOGpEWDE0ZEFoM3UyWGVINHM0aXdiRnBsWEp4aXYzRGc?oc=5) · Fox 59

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34053 (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/5.json (key "34053", 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