BlastPoint's Banking Scorecard

Heartland Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 18740

Geneva, NE

15 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Heartland Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 28.2% in tier
+ ROA 0.57% above tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 14.98% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.4% in tier
- Capital Thin: Bottom 9.9% in tier
- Credit Quality Pressure: Bottom 19.6% in tier

Get updates when Heartland Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$901.5M -0.7% YoY -4.1% QoQ	+$515.4M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Top 3.7% in tier
Total Loans ?	$634.7M +3.6% YoY -3.6% QoQ	+$379.0M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Top 4.7% in tier
Total Deposits ?	$768.6M +11.4% YoY +7.8% QoQ	+$440.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Top 3.8% in tier
Return on Assets ?	1.84% +16.3% YoY +12.1% QoQ	+0.57%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.08% +7.0% YoY +4.5% QoQ	+0.15%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	50.31% -4.7% YoY -4.8% QoQ	-14.98%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.26% +41.6% YoY +9.9% QoQ	-0.63%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	82.58% -7.0% YoY -10.6% QoQ	+5.94%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	17.35% +10.4% YoY +7.9% QoQ	-4.67%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.31% +153.3% YoY +5.9% QoQ	-0.33%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	10.23% +2.7% YoY +6.1% QoQ	-5.60%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 12.5% in tier
Non-Interest Income / Assets ?	0.25% +10.1% YoY -74.0% QoQ	-0.03%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 8.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#189 of 666 • Top 28.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#83 of 973 • Bottom 8.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#67 of 666 • Bottom 9.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.23%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#257 of 1308 • Bottom 19.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Assets

size

Value: $901.49M

Peer Median: $386.08M

#99 of 2664 Top 3.7% in $100M-$1B

101

Total Deposits

size

Value: $768.56M

Peer Median: $327.97M

#101 of 2664 Top 3.8% in $100M-$1B

125

Total Loans

size

Value: $634.67M

Peer Median: $255.72M

#125 of 2664 Top 4.7% in $100M-$1B

239

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#239 of 2664 Top 8.9% in $100M-$1B

440

Efficiency Ratio

profitability

Value: 50.31%

Peer Median: 65.29%

#440 of 2664 Top 16.5% in $100M-$1B

459

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.27%

#459 of 2664 Top 17.2% in $100M-$1B

Top Weaknesses (1 metrics)

2333

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.83%

#2333 of 2664 Bottom 12.5% in $100M-$1B