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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Geneva, NE · FDIC certificate #18740
HEARTLAND BANK is an FDIC-insured institution based in Geneva, NE (FDIC certificate #18740). In its Q3 2026 Call Report it reported total assets of $919M, total deposits of $739M and net loans of $657M. Its primary federal regulator is FDIC.
Plain-language readout
HEARTLAND BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $919M in Q3 2026 and were lowest at $901M in Q1 2026.
Total deposits were highest at $769M in Q1 2026 and lowest at $739M in Q3 2026.
Over the whole period total assets rose 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $919M | $739M | $657M | 2.02% | 18.12% | 4.26% |
| Q2 2026 | $911M | $755M | $645M | 2.01% | 17.91% | 4.23% |
| Q1 2026 | $901M | $769M | $635M | 1.84% | 16.49% | 4.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.8M | $12.7M | +$1.0M | +8.1% |
| Federal funds sold | $3.3M | $397K | +$2.9M | +732.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $180.1M | $186.4M | -$6.4M | -3.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $644.9M | $634.7M | +$10.3M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.3M | $13.5M | -$160K | -1.2% |
| Other real estate owned | $0K | $1.2M | -$1.2M | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $4.0M | $4.0M | -$15K | -0.4% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $20.0M | $20.1M | -$79K | -0.4% |
| All other assets | $31.6M | $28.4M | +$3.2M | +11.2% |
| Total assets | $911.1M | $901.5M | +$9.6M | +1.1% |
| Liabilities | ||||
| Total deposits | $754.6M | $768.6M | -$14.0M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $47.8M | $22.0M | +$25.8M | +117.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.7M | $6.8M | -$1.1M | -16.5% |
| Total liabilities | $808.1M | $797.4M | +$10.7M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.3M | $1.3M | $0K | 0.0% |
| Surplus | $82.7M | $82.7M | $0K | 0.0% |
| Retained earnings | $27.7M | $28.4M | -$779K | -2.7% |
| Accumulated other comprehensive income | -$8.7M | -$8.3M | -$367K | -4.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $103.0M | $104.1M | -$1.1M | -1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $825K | $2.8M | -$2.0M | -70.7% |
| Adjusted nonperforming assets | $825K | $2.8M | -$2.0M | -70.7% |
| Tangible equity plus allowance | $90.1M | $91.1M | -$1.1M | -1.2% |
| Texas ratio (gross) | 0.92% | 3.08% | -2.17 pts | See points |
| Texas ratio (adjusted) | 0.92% | 3.08% | -2.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.48% | 3.43% | +0.06 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.25% | 10.23% | +0.02 pts | See points |
| Construction and land loans to total capital | 40.16% | 38.34% | +1.82 pts | See points |
| Commercial real estate to total capital | 86.84% | 83.39% | +3.45 pts | See points |
| Dividend payout, year to date | 79.84% | 37.78% | +42.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.57% | -13.78% | -0.79 pts | See points |
| Liquidity | ||||
| Core deposits | $675.7M | $674.4M | +$1.3M | +0.2% |
| Non-core funding | $126.7M | $116.2M | +$10.5M | +9.1% |
| Loans to core deposits | 96.50% | 95.17% | +1.34 pts | See points |
| Loans to deposits | 86.41% | 83.51% | +2.91 pts | See points |
| Brokered deposits share of deposits | 0.81% | 2.96% | -2.15 pts | See points |
| Pledged securities share of securities | 51.91% | 52.87% | -0.97 pts | See points |
| Loans pledged, share of loans | 43.69% | 43.24% | +0.46 pts | See points |
| Volatile liabilities | $126.7M | $116.2M | +$10.5M | +9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $11.5M | $5.3M | +$6.2M | +117.7% |
| Earnings before provision, single quarter | $6.2M | $5.3M | +$935K | +17.7% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.88% | 6.63% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 2.60% | 4.92% | -2.32 pts | See points |
| Total interest income to average assets | 5.42% | 5.19% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 0.98% | 0.82% | +0.16 pts | See points |
| Cost of savings and money market deposits | 0.95% | 0.98% | -0.02 pts | See points |
| Cost of time deposits | 3.60% | 3.62% | -0.02 pts | See points |
| Total interest expense to average assets | 1.42% | 1.48% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $919M | $739M | $657M | 2.02% | 18.12% | 4.26% |
| 2026-06-30 | $911M | $755M | $645M | 2.01% | 17.91% | 4.23% |
| 2026-03-31 | $901M | $769M | $635M | 1.84% | 16.49% | 4.08% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $717.4M | 0.78% | 25 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.