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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Crawfordsville, IN · FDIC certificate #15566
HOOSIER HEARTLAND STATE BANK is an FDIC-insured institution based in Crawfordsville, IN (FDIC certificate #15566). In its Q3 2026 Call Report it reported total assets of $356M, total deposits of $328M and net loans of $265M. Its primary federal regulator is FDIC.
Plain-language readout
HOOSIER HEARTLAND STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $356M in Q2 2026 and were lowest at $351M in Q1 2026.
Total deposits were highest at $328M in Q3 2026 and lowest at $318M in Q1 2026.
Over the whole period total assets rose 1.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $356M | $328M | $265M | 1.30% | 18.64% | 4.17% |
| Q2 2026 | $356M | $327M | $261M | 1.27% | 18.05% | 4.14% |
| Q1 2026 | $351M | $318M | $259M | 1.13% | 16.12% | 4.13% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.7M | $4.3M | +$1.4M | +32.9% |
| Federal funds sold | $14.5M | $13.0M | +$1.5M | +11.2% |
| 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) | $51.5M | $52.8M | -$1.3M | -2.5% |
| Equity securities with readily determinable fair values, not held for trading | $74K | $84K | -$10K | -11.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $261.4M | $259.4M | +$2.1M | +0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.9M | $7.0M | -$118K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $606K | $596K | +$10K | +1.7% |
| All other assets | $15.7M | $13.9M | +$1.8M | +13.1% |
| Total assets | $356.3M | $351.0M | +$5.3M | +1.5% |
| Liabilities | ||||
| Total deposits | $327.3M | $317.6M | +$9.7M | +3.1% |
| 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 | $0K | $5.0M | -$5.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $3.4M | +$347K | +10.3% |
| Total liabilities | $331.0M | $326.0M | +$5.1M | +1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $101K | $101K | $0K | 0.0% |
| Surplus | $15.2M | $15.2M | $0K | 0.0% |
| Retained earnings | $15.6M | $15.1M | +$428K | +2.8% |
| Accumulated other comprehensive income | -$5.5M | -$5.3M | -$171K | -3.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.3M | $25.1M | +$257K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $934K | +$736K | +78.8% |
| Adjusted nonperforming assets | $1.7M | $934K | +$736K | +78.8% |
| Tangible equity plus allowance | $28.0M | $27.6M | +$352K | +1.3% |
| Texas ratio (gross) | 5.97% | 3.38% | +2.59 pts | See points |
| Texas ratio (adjusted) | 5.97% | 3.38% | +2.59 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.35% | 3.77% | +2.58 pts | See points |
| Tier 1 capital to risk-weighted assets | 10.35% | 10.37% | -0.02 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.35% | 10.37% | -0.02 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.11% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.47% | 11.48% | -0.01 pts | See points |
| Tier 1 leverage (approximate) | 8.70% | 8.57% | +0.13 pts | See points |
| Construction and land loans to total capital | 18.87% | 16.53% | +2.34 pts | See points |
| Commercial real estate to total capital | 100.77% | 105.65% | -4.88 pts | See points |
| Dividend payout, year to date | 44.02% | 16.67% | +27.35 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.89% | -17.58% | -0.31 pts | See points |
| Liquidity | ||||
| Core deposits | $317.8M | $305.8M | +$12.0M | +3.9% |
| Non-core funding | $9.5M | $16.8M | -$7.3M | -43.2% |
| Loans to core deposits | 83.30% | 85.84% | -2.54 pts | See points |
| Loans to deposits | 80.87% | 82.65% | -1.78 pts | See points |
| Brokered deposits share of deposits | 0.61% | 0.63% | -0.02 pts | See points |
| Pledged securities share of securities | 59.23% | 60.06% | -0.83 pts | See points |
| Loans pledged, share of loans | 12.37% | 12.51% | -0.14 pts | See points |
| Volatile liabilities | $9.5M | $16.8M | -$7.3M | -43.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.2M | +$1.4M | +117.6% |
| Earnings before provision, single quarter | $1.4M | $1.2M | +$204K | +17.6% |
| Provision for credit losses, year to date | $180K | $80K | +$100K | +125.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.76% | 6.76% | +0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 4.17% | 0.64% | +3.54 pts | See points |
| Total interest income to average assets | 5.47% | 5.45% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.52% | 0.61% | -0.09 pts | See points |
| Cost of savings and money market deposits | 2.39% | 2.60% | -0.21 pts | See points |
| Cost of time deposits | 3.26% | 3.19% | +0.07 pts | See points |
| Total interest expense to average assets | 1.63% | 1.66% | -0.03 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 | $356M | $328M | $265M | 1.30% | 18.64% | 4.17% |
| 2026-06-30 | $356M | $327M | $261M | 1.27% | 18.05% | 4.14% |
| 2026-03-31 | $351M | $318M | $259M | 1.13% | 16.12% | 4.13% |
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 |
|---|---|---|---|---|
| IN | $306M | 0.14% | 73 | Continuing · -0.00 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.