BlastPoint's Banking Scorecard
Heartland Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14809
Designations: ✓ Community bank
Somers, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Heartland Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$267.5M
+5.7% YoY
+0.9% QoQ
|
+$50.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$215.9M
+4.6% YoY
-0.6% QoQ
|
+$76.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$200.9M
-2.0% YoY
-1.3% QoQ
|
+$17.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.18%
+14.1% YoY
-0.8% QoQ
|
+1.10% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.93%
+9.3% YoY
-0.3% QoQ
|
+1.07% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
50.25%
-6.9% YoY
+0.6% QoQ
|
-17.48% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.91%
+464.8% YoY
+106.3% QoQ
|
+1.27% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
107.47%
+6.8% YoY
+0.7% QoQ
|
+32.95% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.60%
+9.1% YoY
+16.1% QoQ
|
-0.79% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.54%
+459.1% YoY
+103.2% QoQ
|
+1.09% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
13.85%
+2.7% YoY
+0.8% QoQ
|
+5.00% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.38%
+0.0% YoY
+33.4% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.47%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 50.25% · Tier avg: 67.73%
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
78
78th pctile
Total Loans
Current: $215.9M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 8.85%
65
65th pctile
Total Assets
Current: $267.5M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $200.9M · Tier avg: $183.7M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 22.39%
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.47% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.47% · Tier avg: 74.53%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 22.39%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
60
60th pctile
Total Deposits
Current: $200.9M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $267.5M · Tier avg: $217.5M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 8.85%
78
78th pctile
Total Loans
Current: $215.9M · Tier avg: $139.2M
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
90
90th pctile
Efficiency Ratio
Current: 50.25% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%