# HEARTLAND STATE BANK
EDGELEY, ND · FDIC certificate 3919 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $75.6M | |
| Deposits | $68.3M | |
| Loans and leases | $29.4M | |
| Total equity | $6.8M | |
| Loans / deposits | 42.44% (p13 of band) | 73.59% |
| Liquid assets / assets | 56.64% (p84 of band) | |
| Uninsured deposits / deposits | 13.08% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.75% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -12.66% (p34 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 0.67% (p24 of band) | 1.17% |
| Net interest margin | 3.05% (p14 of band) | 3.93% |
| Efficiency ratio | 78.40% (p76 of band) | |
| Noncurrent loans | 3.36% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 45.34% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $930,000 (3.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 3 | wholesale funding >15% |  |
| 2015-12 | 3 | capital falling | wholesale funding >15% |
| 2016-03 | 2 | assets shrinking | uninsured deposits leaving, capital falling |
| 2016-06 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 2 | capital falling | assets shrinking |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 1 |  | deposits shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | assets shrinking |  |
| 2020-03 | 1 | capital falling | assets shrinking |
| 2020-06 | 0 |  | capital falling |
| 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 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, losing money |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity, losing money |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 5 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  | securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 3 | capital falling | assets shrinking, uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2026-01-10 [Prom dress donations accepted - Journal Review](https://news.google.com/rss/articles/CBMif0FVX3lxTE16SDBWaTdiUTNNZ3BCUTRuaTd5ekZ4SEtCWE00clFuRkc1cm81VzZUN1YyV0xkNkNoYkppX25qYTcxMFAzLXMyM0pIMmdJYVAzNkdnX0F1Q2owZEFWTFEwb3BvYzZSZEE4VXI3dTA2Vm1nOGhTckY4N041OHdQTUE?oc=5) · Journal Review
- 2025-06-27 [Good morning, sharks: BIP students take on Pitch Day - wabash.edu](https://news.google.com/rss/articles/CBMiUEFVX3lxTE0xenhBR3ZhMHRmUDJWOXdmejBqRnhLR0NYbUQ0c3EtbjZOLUZIM3g2U2RrSWxYNkZuSkdMX2ctakRiNVh0QXlxN2JkRC0tM1lo?oc=5) · wabash.edu
- 2019-09-04 [Robber wearing fake beard holds up Linden bank south of Lafayette - Journal & Courier](https://news.google.com/rss/articles/CBMixgFBVV95cUxNelp4ekRvTUx2SmNrdVRhYzdZbHp1d1lWWGZITTdRazdpZUw5Q0x1WUItYTAtN294akhoSWl3Rk1HTjduQnk0eENJZEd6TGpfMUszbXJieEt4cWpfbEF0a042dFp3U293LXc2NUkxX1VjWGQ4S1FvQW9Rek1obU96MS1jWk1jaTlmQU1aamthNFJuQXRNMHZONV92SDJPS2w0ZFVDczR5RXkyUENxaXVVd1A1M2xnUnh2NEZfdGRiWlZrRjR1NkE?oc=5) · Journal &amp; Courier
- 2019-04-01 [Amy Elizabeth Carlson - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5YYlVJRkVjNmdONm1hZjYxY1I4b2pTc3Q1RGpKaGw1X0V4OElkMkg0d1liNUttYURHSUFLX2VWckNIc1lHZzVkblQwRzA4VnJoWFVGa2ZrTjNlRzV6eEF1SXd0em8?oc=5) · Eddy Funeral Home
- 2024-07-20 [Obituary for Gerald P. Nichols - ohalloranmurphy.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9yQllEYi1aRHJHSFNleHk1dC1lY2QyWHNVZEdLYjFGX1RYUXB3Vy1VUXlBaG1UTk9zZk5ZVUp4R0FBcDBJTXp3YkJGR0Z2d1FmbmR2R0RKQjlyMWZzaUdTcTNuSWJhUQ?oc=5) · ohalloranmurphy.com
- 2026-04-29 [HHSB named a Five Star IBA member - Journal Review](https://news.google.com/rss/articles/CBMihAFBVV95cUxNU3dDTWdqZG1xblF4bW1HbVpjUjZYaDhvWHhpNU1scHZRSU9BT2loSmduRTU1UURLbjg4aGFCM2tKd1U5T0NSYy1nUmhta2k4OTk2cHdNN085MDB5Mk1QUmhrZ3F6dTlTaWY1WF9vWUx4dU14UFpkMmJLUHJPR1BiR0NhVDA?oc=5) · Journal Review
- 2026-05-20 [Ruby Martinson Obituary (2026) - Kulm, ND - Feist Funeral Home - Kulm - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxORW9qNlhMWVAtY3pqaXpZX3U3Q0k4eUNXb0w5WlFqdTU2RC1KeC1wOS16YVlKcmpMdEZ5LUhuV21qMHBJV0dTSUR5SXVibGxRTXRtakt2Q3hNS09Nbm1EVXhvYTBYQ0c3YmFOVWZPZGhDUW5RWjZNRzJRRU8zTExVamdhdw?oc=5) · legacy.com
- 2019-10-03 [Lafayette's Horizon Bank robbed on Veterans Memorial Parkway - Journal & Courier](https://news.google.com/rss/articles/CBMivgFBVV95cUxPeWtqWU9VMUdBVVRTdWs1NmV4RUREN2N2SjhQaEhsZk4tR25fWEw4S3NtX3ZDcEdxTUJQanZfdWtyODF3WFZqWVpxNG5maVQtYnpIZXNqYmJqZzVXNWZuczBrZHcwWlRHUmVNMW9OM3VfLU05RDNJcVVMSmhHVURyeC11ay1mejdkNnNnQXpIZ2hweUFVRzZwSnpwYjBhQmNkLW8xa1FXbmtJR1Axak1YSmFwc3NzSUxNTWJjVFdR?oc=5) · Journal &amp; Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3919 (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/15.json (key "3919", 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