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Heartland Bank

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

Geneva, NE

15 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +5.2% year over year ($754.6M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.01%.
  • Efficiency ratio 48.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Heartland Bank has 5 strengths but faces 1 concern

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 21.9% in tier
  • + Profitability Leader: Top 29.7% in tier
  • + Net Interest Margin 0.24% above tier average
  • + Efficiency Ratio 16.02% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.7% in tier
Get updates when Heartland Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $911.1M
-0.9% YoY +1.1% QoQ
+$524.5M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Top 3.3% in tier
Total Loans ? $644.9M
+2.7% YoY +1.6% QoQ
+$386.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Top 4.2% in tier
Total Deposits ? $754.6M
+5.2% YoY -1.8% QoQ
+$427.9M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Top 4.2% in tier
Return on Assets ? 2.01%
+25.1% YoY +9.1% QoQ
+0.68% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
Top 13.1% in tier
Net Interest Margin ? 4.23%
+9.6% YoY +3.7% QoQ
+0.24% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 48.46%
-7.7% YoY -3.7% QoQ
-16.02% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Top 13.8% in tier
Delinquency Rate ? 0.13%
-38.2% YoY -50.5% QoQ
-0.79% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 85.47%
-2.4% YoY +3.5% QoQ
+7.52% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 14.60%
+1.7% YoY -15.8% QoQ
-7.43% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.09%
-35.9% YoY -71.0% QoQ
-0.58% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 10.25%
+3.0% YoY +0.2% QoQ
-5.66% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 13.6% in tier
Non-Interest Income / Assets ? 0.55%
+21.9% YoY +117.4% QoQ
-0.02% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 8.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 14.6%
+0.2pp YoY
-2.7pp QoQ
 -7.5pp 22.1% 17.6% 22.2% 22%
Brokered Deposits 0.8%
-2.4pp YoY
-2.2pp QoQ
 -7.0pp 7.9% 8.9% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 7.1%
+0.7pp YoY
-0.5pp QoQ
 -4.4pp 11.6% 12.3% 12.5% 34%
CRE n/a n/a 39.5% 32.3% 41.4% n/a
1-4 Family 3.8%
-0.2pp YoY
-0.3pp QoQ
 -28.8pp 32.6% 16.9% 31.3% 4%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -3.4pp 4.1% 3.1% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 10.3%
+0.3pp YoY
0.0pp QoQ
 -1.9pp 12.2% 12.1% 12.6% 37%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 112
-4 (-3.4%) YoY
+3 (+2.8%) QoQ
 +53 58 98 482 90%
Assets per Employee ($) $8.1M
+2.6% YoY
-1.6% QoQ
 +$616K $7.5M $8.5M $8.8M 69%
Branch Count 15
0 YoY
0 QoQ
 +10 4 7 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.3pp 0.3% 0.4% 0.4% 39%
Nonaccrual 0.1%
-0.1pp YoY
-0.2pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 15%
Allowance Coverage 8.64x
+61.2% YoY
+98.8% QoQ
 -15.51x 24.15x 31.69x 20.23x 80%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 17.9%
+2.4pp YoY
+1.4pp QoQ
 +5.7pp 12.2% 12.3% 11.6% 81%
Cost of Funds (YTD) 1.6%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.9% 1.7% 42%
Net Income ($, YTD) $9.2M
+25.2% YoY
— QoQ
 +$6.7M $2.6M $6.1M $40.4M 98%

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 (2)

Revenue Diversifier

growth
#146 of 661 • Top 21.9% 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: 0.55%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#197 of 661 • Top 29.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk
#78 of 661 • Bottom 11.7% 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: 10.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

89
Total Assets
size
Value: $911.09M
Peer Median: $386.57M
#89 of 2643 Top 3.3% in $100M-$1B
111
Total Loans
size
Value: $644.95M
Peer Median: $258.35M
#111 of 2643 Top 4.2% in $100M-$1B
112
Total Deposits
size
Value: $754.61M
Peer Median: $326.73M
#112 of 2643 Top 4.2% in $100M-$1B
215
Non-Interest Income / Assets
revenue_mix
Value: 0.55%
Peer Median: 0.57%
#215 of 2643 Top 8.1% in $100M-$1B
347
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#347 of 2643 Top 13.1% in $100M-$1B
367
Efficiency Ratio
profitability
Value: 48.46%
Peer Median: 64.48%
#367 of 2643 Top 13.8% in $100M-$1B

Top Weaknesses (2 metrics)

2284
Tier 1 Capital Ratio
capital
Value: 10.25%
Peer Median: 15.91%
#2284 of 2643 Bottom 13.6% in $100M-$1B
2049
Non-Interest-Bearing Deposit Share
funding
Value: 14.60%
Peer Median: 22.03%
#2049 of 2643 Bottom 22.5% in $100M-$1B
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