| Metric | Heartland State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +16.0% | +5.6% | +10.4 pts |
| ROA | 2.43% | 1.24% | +1.2 pts |
| ROE | 26.6% | 11.9% | +14.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.0M | $135.1M | $121.4M | $14.4M | $1.9M | 2.43% | 5.25% | 0.00% |
| Q1 2026 | $156.0M | $134.7M | $117.2M | $14.0M | $856K | 2.20% | 5.11% | 0.00% |
| Q4 2025 | $154.7M | $124.9M | $115.3M | $14.1M | $3.7M | 2.48% | 5.01% | 0.00% |
| Q3 2025 | $155.7M | $116.8M | $111.6M | $13.9M | $2.8M | 2.52% | 5.01% | 0.00% |
| Q2 2025 | $147.9M | $122.9M | $104.6M | $13.5M | $1.8M | 2.46% | 5.00% | 0.00% |
| Q1 2025 | $150.6M | $126.0M | $102.2M | $12.9M | $881K | 2.37% | 4.88% | 0.00% |
| Q4 2024 | $146.5M | $117.3M | $100.0M | $12.3M | $3.1M | 2.05% | 4.46% | 0.00% |
| Q3 2024 | $151.9M | $114.7M | $99.7M | $12.8M | $2.4M | 2.10% | 4.39% | 0.00% |
Loan mix (Q2 2026): real estate $30.5M · commercial $5.3M · consumer $1.6M · securities $19.5M
| Ratio | Heartland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.43% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 26.6% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
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 |
|---|---|---|---|---|
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 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2025) · $135.1M branch deposits. Biggest market: Spink, SD, ranked 1st with 28.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Spink, SD | 2 | $89.7M | 28.77% | 1st |
| Hyde, SD | 1 | $25.6M | 30.66% | 2nd |
| Beadle, SD | 1 | $19.8M | 2.55% | 6th |
South Dakota: 54th with 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend up 40% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).