# HEARTLAND NATIONAL BANK
SEBRING, FL · FDIC certificate 35052 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $784.6M | |
| Deposits | $685.3M | |
| Loans and leases | $156.3M | |
| Total equity | $71.8M | |
| Loans / deposits | 22.42% (p1 of band) | 81.31% |
| Liquid assets / assets | 77.87% (p99 of band) | |
| Uninsured deposits / deposits | 29.07% (p65 of band) | 24.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.75% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.78% (p35 of band) | 10.49% |
| Unrealized securities loss / equity | -5.82% (p69 of band) | -12.52% |
| AOCI / equity | 1.42% (p48 of band) | |
| ROA (annualized) | 1.51% (p73 of band) | 1.11% |
| Net interest margin | 3.23% (p28 of band) | 3.64% |
| Efficiency ratio | 40.44% (p4 of band) | |
| Noncurrent loans | 0.12% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p4 of band) | |
| Reserve coverage of noncurrent | 1440.22% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 14.09% (p17 of band) | |
| Auto loans | $538,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | capital falling, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | NIM <2.5%, capital falling |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |

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

- 2025-02-28 [Florida serial acquirer strikes again with $110M deal - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbWlSc1FqMWtKbFdfdy1jN043dHdQejEyc0NOTm1sZThoaWxXY3JhQzJqbGxmQ0ZLZjlSa0NTQXZGUnpwRVlyQmZ1WDY5VUZsYW5lZzB2YUZsWFF0UFY1amhPZ2pRd1I4YkZIXzFWZkViYW9oWU1ldlFSeFJFYjFaSVdCWFM4VzItckhoRGFZVTl1YVRYRVJfQlRuWE5YU28xWGlFOEZuMzFTc0VLcG81YXp3?oc=5) · Banking Dive
- 2025-03-09 [Seacoast buys Heartland National Bank - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOVG9CaUFXbzZubkFVTVlSVEkxczl2cGt6OWRwX19PQ01lN0dMUlBwcXM4bm1ndkpXME0xWTBfVFJycXpIdFdXOEp1VFRDQ1d5Y0k4Rk1MWmJJYzJqVGx0THo0TkM3MUQ3TWtNSVQwRTVBWDdpTFprVEhMaUJVODlIMjBtbEFTdUZ0UFdWaFNYYjNXSjFEdjVSOGIyYXIwZGNNcEdVa2h3eGlVNlVQa1gxc2NQbGFPTW1ZSDR2SFpfclVLckFCdDVCWTM2bUxfc0ltdk1iZEg1Q3Zzakk?oc=5) · Mid Florida Newspapers
- 2025-07-11 [Seacoast Completes Acquisition of Heartland Bancshares, Inc. - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxPOEduWUdBWU9UNXhDX25YQXZpZTJnOEZKTU53MjNiTUhRSWwyZlFpNXhFSXVNeTVMaVZBdnlUNEtmTEM1c0pDaE5SUHpPWHNManE5UUdseU9MX29SWUxXUTFIUXQ5YmprOHVLSU5rQUt6bU5SSk5kc1ppellJQjlrdXdKRG1oLWUxQ0twMnpBVjdoTVFZUWN0OFUxSjZyLS1RZGxlMzZfSWV2dHdYMzNOVUVvLWRKdVE?oc=5) · Business Wire
- 2025-03-05 [Seacoast to buy Florida bank for $103 million - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRHVtWTZZbEhMQVdUeU9NcTVhQmIzdzJBZ2tnWlVsSnpXT0VyY3hyazJSLUpNYkZFQWUzaDZZTmdBalRVbEdzVFpnLVJielFfNXVJLW1QbTRaMHBXWnREdUt1Z2RRa2pxZjJwcFlOSFpLMmtuYWxiZkg2cnRDZlNxdUV3SkRTSUZwZFN5eDVGcUFDczFoNEJEZzB3SmFNcTA?oc=5) · The Business Journals
- 2025-02-28 [Seacoast to acquire deposit-rich Central Florida bank - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQamh5NmotcDdhUnFYdXRKMWU0YWh2czhXbzJKNFJKNjgyQ0JkeEp6bEpmQk0zMHc2UDZTQXVJV0U5WUlCb2JOQnQ1Z0pIcWNpSG1kOHV0ZFNSclBEeENTMlk0Mk5mTHNVV1hwUFh1WnVDeExVSXE0UlkwblB6RzlZYzZ1R1hvZXA2ZHVoX3NUMy1WbU0?oc=5) · American Banker
- 2021-02-22 [Heartland National Bank (FL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNEZBTzlTY1VwS2pvRkxLT1k2MjZBcVF2dU8tQ0lQY1ljT3ZKMFVDaWFkbmxFeDhWdHdOUmhwMXBub1M1RnFnanc5UW5EdFF3Q2lvRVR5eEZnTTdJQTFsdDUxMjRZSE9YOGdGMUNlTklEaC05QzVabFBscERSMEdsaWlEUmtCVzhkVWt2Zw?oc=5) · SmartAsset
- 2025-03-06 [Heartland National Bank in Sebring - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQcHBucnVzOVFweklUUFJRX2tUSER6RHA1NEpLb2w2Ym41TlVPZ2VYNEFHeXQtRW15S09XRjZ6Sms1REFoQjdoWTA5alBsMklGejJOd3lpMFVwaEhUbW91Ymt0cndxZlRWcUNWVTNmSFBNM0ZCdXdJWUZUY0JPMjUyQzZKRVkzQTJzdHhHZGR0dk5tRm1hNUdBajgxdkRMQzJIaWJIT3FacUxaeTgtX2UtUFdKZElmbWQxaEln?oc=5) · Mid Florida Newspapers
- 2025-03-03 [Seacoast to acquire Sebring bank in first deal since 2022 - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZnJVYTc3cDJSaUdrc09HQW5mQ216TnVacm9pMTF5U3Q5WjRXYWtLTzg1WDRqZUdtVmxzdDBhblpTaDQ4bGRIQTloUEJRakZfdlpaZThuNDluN3Z0VzhROTJFZFd2YWRpOG9QcWZkWHlyYU1iWjRsZHE4ZlRvU05GSGt0V2pXUHhWTU0xRkVUeGEwS2lFMS0ySUt0U3RPbXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35052 (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/44.json (key "35052", 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