| Metric | Heartland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | +5.2% | +4.3% | +0.9 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.6 pts |
| ROA | 2.01% | 1.28% | +0.7 pts |
| ROE | 17.9% | 12.4% | +5.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $911.1M | $754.6M | $644.9M | $103.0M | $9.2M | 2.01% | 4.23% | 0.09% |
| Q1 2026 | $901.5M | $768.6M | $634.7M | $104.1M | $4.2M | 1.84% | 4.08% | 0.31% |
| Q4 2025 | $939.7M | $713.2M | $658.5M | $101.3M | $15.2M | 1.64% | 3.90% | 0.29% |
| Q3 2025 | $948.5M | $696.6M | $656.7M | $104.3M | $11.5M | 1.65% | 3.89% | 0.10% |
| Q2 2025 | $919.5M | $717.4M | $627.9M | $98.1M | $7.4M | 1.60% | 3.86% | 0.14% |
| Q1 2025 | $908.2M | $690.1M | $612.7M | $95.6M | $3.6M | 1.58% | 3.81% | 0.12% |
| Q4 2024 | $921.9M | $667.4M | $612.2M | $91.6M | $12.1M | 1.38% | 3.64% | 0.03% |
| Q3 2024 | $882.2M | $659.0M | $568.6M | $93.6M | $8.8M | 1.35% | 3.65% | 0.04% |
Loan mix (Q2 2026): real estate $399.1M · commercial $45.9M · consumer $4.7M · securities $180.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 61.2% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.