# HEARTLAND BANK
WHITEHALL, OH · FDIC certificate 9443 · asset band $1-10B · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.97B | |
| Deposits | $1.76B | |
| Loans and leases | $1.56B | |
| Total equity | $187.8M | |
| Loans / deposits | 87.39% (p51 of band) | 86.88% |
| Liquid assets / assets | 16.51% (p31 of band) | |
| Uninsured deposits / deposits | 35.84% (p67 of band) | 29.82% |
| Brokered deposits | 7.28% | |
| Wholesale funding | 7.53% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.95% (p47 of band) | 10.06% |
| Unrealized securities loss / equity | -12.69% (p54 of band) | -14.16% |
| AOCI / equity | -1.84% (p8 of band) | |
| ROA (annualized) | 1.18% (p67 of band) | 0.92% |
| Net interest margin | 3.38% (p58 of band) | 3.23% |
| Efficiency ratio | 61.59% (p43 of band) | |
| Noncurrent loans | 0.54% (p60 of band) | 0.42% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 212.36% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 54.69% (p51 of band) | |
| Auto loans | $2.6M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 264 | |

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | capital falling | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 | capital falling | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | reserve under noncurrent | capital falling |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | assets shrinking | charge-offs p90 |
| 2022-03 | 2 | deposits shrinking |  |
| 2022-06 | 0 |  | assets shrinking, deposits shrinking |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |

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

- 2026-08-11 [Illinois’ HBT to buy in-state Tri-County Financial for $204.6M - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcGU1TWVsWXNOZEx1bGVvMGo1Z1NOaktDX2dnSXhDQlNsS1lqb05KMHZ6SktmbDBhR1NnRUt0clVsMEZTRFBjSUtuOUdsQ1p4VEYwT2J5RjY4ODRObU5zTDNKUDgzTlF2X0ZTbjdxQjdOUktvWnVUWUltenVkSHhvcDNDaWpTZzFMZUhfN21RMmR0cEV2aDRmb1pnTTNmSEV5RHp2Z1RhcG4?oc=5) · Banking Dive
- 2026-03-30 [Heartland Bank Cuts Ribbon To Commemorate Them Joining The Taylorville Chamber Of Commerce - Taylorville Daily News](https://news.google.com/rss/articles/CBMixwFBVV95cUxQMllXbUtXY2xCMmRabjVSM0duQjJrdHVHTFFMdDVHcGdQNzlaMUtHbXhiUVFmWWdhYzMtdU9WNGtDNFZ5QWJJQ2pNODJjRnJFZnVuNm1aV0taUFhfM25oZzQtOHlweHdPTjhaVEQ1Y1ZfeXhSTDQ5SXBNY2xnNmNGU2NoR2t4LVFOV08waC1CNUdmMV9LaU5VUGpkbkJOSWpORWNEM3dORHNuU1dGMGFyUkZMSTVYRU1yLUNpR3Z6WW1xZzM3ZVNB?oc=5) · Taylorville Daily News
- 2026-08-10 [Heartland Bank to acquire, merge with Tri-County Financial Group in $200M transaction - Shaw Local](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPdFpJUEhRdDVVLXAwSU9vcGlKdW9FVU82aUUzaEFVQXBIRzE0blV2ZncyZXY3TTZ6U0tGRmRFZGZySkNuQnNDZHJmQUcyamJNMWRmakRxaDJfZ05PbjZnZU0yQUpYZ0xOLWg1c09WY1FCbnhBT1F6V0I2Qnl4eFluWUVFNE5Ma0ljeXJPRDVjUlJMLWlLSG9vY3VtSjdwSnRfVkhPRXlTZXZZeGVYTjRhWWlyZDlYYjNlcnJqUUYtQUt5MGlINmUyNnFMaFlINUZ6UHFV?oc=5) · Shaw Local
- 2026-06-15 [Jon Husted received a $60K payout in bank merger stock deal as he opposes congressional stock-trading ban - TiffinOhio.net](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdmh0bEIteHR1VHN1di1wd1ZPbGVOdnJCbjFWSVdiV3NBX3JTaEM1cjQwVWZYYzBSdnZoQVZZOFlESGc5azd1emZxWEVGeWY5aTdJVGpOZHpxR2NPMDB5a0RzY1NIZEJFbVZya1ZZN0dPS2FvaWdkMHlJRFN4MjYwbTdFZ2U0cDU2cFRQWXg2UQ?oc=5) · TiffinOhio.net
- 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
- 2026-06-05 [Washington Police looking for 2 persons-of-interest for bank robbery - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNmxLYkNhR1YtT1dFb3htR0ctcF9rSXR1YldxMHRiS3FnRGRQdG1kbFA4V2c2SUhMWGJrZzVKSGd3dTFzc21SdjllYzhkaHNacTdlSlVDMFJsbFRfblVPN1k3SU9BME82LUVFNV9CcXo2aUpZUmp2SUxzMlVXbEw2eG1aNkw0NmNB?oc=5) · WEEK | 25 News Now
- 2026-06-02 [Heartland to acquire TSB in $620mln deal - mpamag.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZDl5S1ZXTmNfMmxIamFQZzU1VXhBZkdja0huLTlCY292SnJSeGQ0OXA2RHZEUmpkMWhlUkcxdWZreHduLU5TcEhtTEJ4WWJvaUpaU1R6S0daQjFpUUtOMW1MRFlaQXJNdHc1YnRtaDQ3ajVFcklRNmFJZVEwcFBfcm8taDh3dGdCMF9UamNn?oc=5) · mpamag.com
- 2026-03-02 [HBT Financial, Inc. Completes Merger with CNB Bank Shares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxQZlFMak5kcmlXSER2SWRXenFIQ2xmUXVpNUJQMTFkUmFOMngzcGdwZlQxNjM5VG5OZDNvZ2gzM0dDR3VhbVhQbkJFRGg1VXkxQ21SMUNZOXJZV1JtTEhPMmRuYnVQU1BWVnk4STVPaDZfQklCZkhOQjlSbU53dXVhWmN2WnBsdlp2X216Q1FCdzNNeHhHZF9HN0JBblNpeVhmcVAwbi16SVFlZkhpdjBQSEJDd0NDREZ5QVc2bVF1cFFMNjZtdmdyNnowVQ?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9443 (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/35.json (key "9443", 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