# HEARTLAND COMMUNITY BANK
FRANKLIN, IN · FDIC certificate 34597 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $248.6M | |
| Deposits | $221.0M | |
| Loans and leases | $132.6M | |
| Total equity | $24.5M | |
| Loans / deposits | 58.20% (p30 of band) | 69.17% |
| Liquid assets / assets | 42.71% (p66 of band) | |
| Uninsured deposits / deposits | 14.14% (p77 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.40% (p39 of band) | |
| FHLB advances / assets | 0.40% | |
| Tier 1 leverage | 9.15% (p33 of band) | 10.02% |
| Unrealized securities loss / equity | 7.14% (p74 of band) | 3.21% |
| AOCI / equity | 1.69% (p90 of band) | |
| ROA (annualized) | 0.14% (p16 of band) | 0.78% |
| Net interest margin | 3.76% (p50 of band) | 3.76% |
| Efficiency ratio | 88.58% (p80 of band) | |
| Noncurrent loans | 6.78% (p93 of band) | 1.31% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 44.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 12.32% (p45 of band) | |
| Auto loans | $2.5M (1.88% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | noncurrent p90 |  |

## 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 - Towne Post Network -](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVmJ3bXczNmNlb1hiVUlCVURxbHBrdDZ5WnQ1TW5SczFYWlB5RHlEdVhXa1d3NXZCa19FZWV4MktGbzM0Um1vckVzcW0xT2lrTkJKS3czZm14MmRrSjdjNFVDMWx2cGRvRGE4Z00xRFlUSjlKSS1hcWdsRTUyM1JqaGdaTVhWdmUzLWlEUFBzX1ZsdlkwRk1Z?oc=5) · Towne Post Network -
- 2014-10-28 [Community Bank & Trust to merge with Wisconsin Bank & Trust - biztimes.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPTE14cTd4QWlIcm9oUk1NVG9oWV9HUjgzRmw0T2dYcERlSkdxTFZnc1ozTTBuRkYwTGxkTDlsa0lWNjRLWG1qMFRpS1llZHNGTG54R2w3aGhqXzlhOFVFdjBPbjRVczJ4NU1fSW10M3BSS1plaFdFeXp6cTJRRU9NN2RmUQ?oc=5) · biztimes.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 obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbm5zWHJDZTlXQ3FLNXYzVTFpNGxGdmRyOWdlZktKVXhfX3J0WF8zWjQ5LTk5YjFRLXRUaGNQbGZHel9QdVhueW9vQ2RieFZ6WTBNUGpCcnc2NVBkNTFMYWdVVG1wNm51TnlVMGNpVmNLeFdmRzJjQ0dQS202WnN5cEtSQ2p5Skp4dlNN?oc=5) · Legacy obituary
- 2013-07-01 [Teen killed in moped accident in Greenwood - Fox 59](https://news.google.com/rss/articles/CBMidEFVX3lxTE1QSzhhVWozMHpMTHlFZzlfcXBUQjdlNGZ5d1FpMUUzME9aTWxOejY1UVRwTk1Tdy1qMGRHaWJ3NXZoQ2pWU3Zmc2FUbmp4cllOZy1lVFY2M1ZXX2ZiY3hiWFpPRlRNcjJNNU9sTWpqNklmOXVR0gF6QVVfeXFMTWw1aTcxRDdSQXBmX01TRTN1NUhUNjBFX3hBYVpoWHQ4czRSdWVMdE9EUHR1Vm4tTk9MY0JjNVYtaWxiNG1jSk1TWnFtcFE4U3I2aTI1WWZwdXFvOGpEWDE0ZEFoM3UyWGVINHM0aXdiRnBsWEp4aXYzRGc?oc=5) · Fox 59
- 2025-09-04 [Jeffrey L. Goben Obituary (2025) - Indianapolis, IN - Wilson St. Pierre Funeral Service & Crematory - Greenwood Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNDF6TTRFaHd1S2dqZHVPRlpxZVZIdjVLUzViTHEwNWlfcGp5WV9aNUxGS0FLMU9UZ0REQzBvc3pGTmhsT0NCZzZNVTZWbEVHZUtlX3NVSHVBMlN0dzZYN3RrdGdsbXV4cndJRjFDdlFlRkh3Tjl6eEZDYXBUc3hyTmtn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34597 (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/37.json (key "34597", 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.

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