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Heartland Bank
Geneva, NE · FDIC Certificate #18740 · Chartered 03/0
Total assets
$911.09M
Total deposits
$754.61M
Total equity
$102.97M
Net loans
$644.95M
Branches (offices)
15
Net income (YTD)
$9.21M
Rank: #1,132 of 4,213 U.S. banks by assets · #24 of 138 in Nebraska. Assets changed -0.9% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 17.91% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 11.30% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 22.5% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 85.5% |
| Real estate loans (share of loans) | 61.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $399.10M | 61.9% | |
| Commercial & industrial | $45.90M | 7.1% | |
| Consumer / individual | $4.70M | 0.7% | |
| Construction & development | $39.67M | 6.2% | |
| Agricultural | $187.37M | 29.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $787.13M | $698.94M | $4.65M | $74.59M |
| Jun 2023 | $774.71M | $669.00M | $5.39M | $80.42M |
| Jun 2024 | $864.04M | $680.26M | $5.78M | $88.25M |
| Jun 2025 | $919.45M | $717.41M | $7.35M | $98.11M |
| Jun 2026 | $911.09M | $754.61M | $9.21M | $102.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $754.61M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $754.61M.
Similar-sized banks
Versabank Usa National Association ($911.92M) · Stifel Trust Company, National Association ($911.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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