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Heartland State Bank

under $100M Specialty: Agricultural ND FDIC cert 3919

Designations: ✓ Community bank

Edgeley, ND

2 branches across ND

541 banks in the under $100M peer group nationally 12 in ND
View under $100M leaderboard (ND) →

Heartland State Bank has 1 strength 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

  • + Efficiency Ratio 5.99% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.38% below tier average
  • - Net Interest Margin 0.93% below tier average
  • - Delinquency Rate 2.14% above tier average
Get updates when Heartland State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $77.6M
+10.3% YoY +6.9% QoQ
+$15.4M $62.2M
-0.6% YoY
$1.1B
+4.5% YoY
$6.2B
+9.1% YoY
67%
Total Loans ? $28.8M
-14.6% YoY -14.8% QoQ
-$5.5M $34.2M
-1.4% YoY
$779.7M
+5.6% YoY
$3.2B
+10.8% YoY
42%
Total Deposits ? $70.4M
+10.4% YoY +7.7% QoQ
+$18.7M $51.7M
-0.7% YoY
$930.6M
+2.8% YoY
$4.8B
+8.2% YoY
75%
Return on Assets ? 0.46%
-9.4% YoY -43.2% QoQ
-0.38% 0.84%
-2.3% YoY
1.38%
+15.2% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 2.93%
-15.4% YoY -17.6% QoQ
-0.93% 3.86%
+2.8% YoY
3.69%
+5.3% YoY
3.89%
+5.7% YoY
Bottom 14.2% in tier
Efficiency Ratio ? 82.35%
-2.3% YoY +7.9% QoQ
-5.99% 88.34%
+0.3% YoY
60.25%
-5.8% YoY
66.95%
-4.1% YoY
32%
Delinquency Rate ? 3.51%
+24.7% YoY +15.2% QoQ
+2.14% 1.37%
+33.8% YoY
0.92%
+20.6% YoY
0.95%
+18.8% YoY
Bottom 10.4% in tier
Loan-to-Deposit Ratio ? 40.84%
-22.6% YoY -20.9% QoQ
-23.37% 64.22%
-0.7% YoY
69.27%
+0.4% YoY
76.70%
+0.9% YoY
81%
Non-Interest-Bearing Deposit Share ? 32.02%
+10.3% YoY +0.7% QoQ
+8.31% 23.71%
+0.3% YoY
22.07%
+2.0% YoY
22.01%
-1.2% YoY
78%
Nonperforming Asset Ratio ? 1.30%
-3.4% YoY -8.2% QoQ
+0.51% 0.79%
+28.2% YoY
0.56%
+12.7% YoY
0.67%
+19.3% YoY
20%
Tier 1 Capital Ratio ? 9.86%
-8.3% YoY -5.1% QoQ
-16.82% 26.68%
+2.0% YoY
13.00%
+1.5% YoY
17.06%
+0.8% YoY
Bottom 6.1% in tier
Non-Interest Income / Assets ? 0.05%
-11.5% YoY -77.2% QoQ
-0.61% 0.67%
+1.9% YoY
0.12%
+7.9% YoY
0.32%
+4.1% YoY
45%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

104
Loan-to-Deposit Ratio
liquidity
Value: 40.84%
Peer Median: 64.22%
#104 of 541 Top 19.0% in under $100M
119
Non-Interest-Bearing Deposit Share
funding
Value: 32.02%
Peer Median: 23.71%
#119 of 541 Top 21.8% in under $100M

Top Weaknesses (4 metrics)

509
Tier 1 Capital Ratio
capital
Value: 9.86%
Peer Median: 26.68%
#509 of 541 Bottom 6.1% in under $100M
468
Delinquency Rate
credit_quality
Value: 3.51%
Peer Median: 1.37%
#468 of 521 Bottom 10.4% in under $100M
465
Net Interest Margin
profitability
Value: 2.93%
Peer Median: 3.86%
#465 of 541 Bottom 14.2% in under $100M
435
Nonperforming Asset Ratio
credit_quality
Value: 1.30%
Peer Median: 0.79%
#435 of 541 Bottom 19.8% in under $100M
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