| Metric | Heartland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $256.1M | $203.7M | $212.3M | $34.2M | $2.9M | 2.17% | 5.09% | 0.68% |
| Q1 2026 | $264.8M | $208.8M | $216.0M | $34.0M | $1.6M | 2.41% | 5.10% | 0.76% |
| Q4 2025 | $267.5M | $200.9M | $215.9M | $32.8M | $5.6M | 2.18% | 4.93% | 1.54% |
| Q3 2025 | $265.2M | $203.5M | $217.3M | $31.4M | $4.2M | 2.20% | 4.94% | 0.76% |
| Q2 2025 | $249.0M | $198.8M | $203.7M | $30.4M | $2.9M | 2.29% | 4.89% | 0.44% |
| Q1 2025 | $246.4M | $205.2M | $201.7M | $29.4M | $1.4M | 2.20% | 4.80% | 0.42% |
| Q4 2024 | $253.1M | $204.9M | $206.3M | $29.0M | $4.7M | 1.91% | 4.51% | 0.28% |
| Q3 2024 | $245.5M | $194.6M | $196.8M | $28.1M | $3.4M | 1.86% | 4.45% | 0.88% |
Loan mix (Q2 2026): real estate $120.4M · commercial $31.6M · consumer $1.5M · securities $29.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Heartland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 62.9% | 19th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
5 branches in 3 counties across 1 state (+0 vs 2024) · $198.8M branch deposits. Biggest market: Calhoun, IA, ranked 2nd with 26.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calhoun, IA | 2 | $117.0M | 26.63% | 2nd |
| Webster, IA | 2 | $58.7M | 4.32% | 8th |
| Greene, IA | 1 | $23.2M | 3.78% | 5th |
Iowa: 146th with 0.14% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5