BlastPoint's Banking Scorecard

Heartland State Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 9007

Redfield, SD

4 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Heartland State Bank has 5 strengths but faces 2 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

+ Deposit Franchise: Top 26.1% in tier
+ Return on Assets 0.93% above tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 8.90% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 14.3% in tier
- Capital Thin: Bottom 47.1% in tier

Get updates when Heartland State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$156.0M +3.6% YoY +0.8% QoQ	-$230.1M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$117.2M +14.6% YoY +1.7% QoQ	-$138.5M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$134.7M +6.9% YoY +7.9% QoQ	-$193.3M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	2.20% -7.1% YoY -11.1% QoQ	+0.93%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 8.5% in tier
Net Interest Margin ?	5.11% +4.7% YoY +2.1% QoQ	+1.18%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 5.9% in tier
Efficiency Ratio ?	56.39% +11.1% YoY +13.5% QoQ	-8.90%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	86.98% +7.2% YoY -5.8% QoQ	+10.35%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	34.93% +20.1% YoY +4.8% QoQ	+12.91%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	Top 9.9% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.86% -9.0% YoY +1.1% QoQ	-4.97%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.15% +16.4% YoY -71.4% QoQ	-0.13%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	75%

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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)

Deposit Franchise

growth

#72 of 272 • Top 26.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.93%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.11%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk

#19 of 126 • Bottom 14.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 56.39%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Capital Thin

risk

#315 of 666 • Bottom 47.1% 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: 10.86%

(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

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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

157

Net Interest Margin

profitability

Value: 5.11%

Peer Median: 3.93%

#157 of 2664 Top 5.9% in $100M-$1B

227

Return on Assets

profitability

Value: 2.20%

Peer Median: 1.27%

#227 of 2664 Top 8.5% in $100M-$1B

266

Non-Interest-Bearing Deposit Share

funding

Value: 34.93%

Peer Median: 22.02%

#266 of 2664 Top 9.9% in $100M-$1B

Top Weaknesses (3 metrics)

2237

Total Assets

size

Value: $156.03M

Peer Median: $386.08M

#2237 of 2664 Bottom 16.1% in $100M-$1B

2218

Total Deposits

size

Value: $134.71M

Peer Median: $327.97M

#2218 of 2664 Bottom 16.8% in $100M-$1B

2096

Tier 1 Capital Ratio

capital

Value: 10.86%

Peer Median: 15.83%

#2096 of 2664 Bottom 21.4% in $100M-$1B