| Metric | Heartland State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.0% | +3.4 pts |
| Deposit growth (YoY) | +6.4% | +2.5% | +3.9 pts |
| Loan growth (YoY) | -13.3% | +2.6% | -15.9 pts |
| ROA | 0.67% | 0.99% | -0.3 pts |
| ROE | 7.6% | 8.1% | -0.5 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $75.6M | $68.3M | $29.0M | $6.8M | $254K | 0.67% | 3.05% | 1.31% |
| Q1 2026 | $77.6M | $70.4M | $28.8M | $6.7M | $86K | 0.46% | 2.93% | 1.30% |
| Q4 2025 | $72.6M | $65.4M | $33.8M | $6.6M | $560K | 0.81% | 3.55% | 1.42% |
| Q3 2025 | $69.2M | $62.0M | $32.1M | $6.7M | $409K | 0.79% | 3.59% | 1.52% |
| Q2 2025 | $71.1M | $64.2M | $33.4M | $6.4M | $262K | 0.76% | 3.57% | 1.31% |
| Q1 2025 | $70.4M | $63.8M | $33.7M | $6.1M | $85K | 0.51% | 3.46% | 1.35% |
| Q4 2024 | $64.1M | $57.2M | $39.4M | $5.8M | $507K | 0.78% | 4.07% | 1.51% |
| Q3 2024 | $63.4M | $56.3M | $37.9M | $6.3M | $393K | 0.80% | 4.08% | 1.57% |
Loan mix (Q2 2026): real estate $12.9M · commercial $2.4M · consumer $2.1M · securities $24.8M
| Ratio | Heartland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 8.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 70.8% | 64th |
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 State 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 State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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