BlastPoint's Banking Scorecard
Heartland Bank
Community
Specialty: Agricultural
NE
FDIC cert 18740
Geneva, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Heartland Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Community
- - Liquidity Strain: Bottom 31% in Community
- - Credit Risk Growth: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$939.7M
+1.9% YoY
-0.9% QoQ
|
-$451.7M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$658.5M
+7.6% YoY
+0.3% QoQ
|
-$316.9M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$713.2M
+6.9% YoY
+2.4% QoQ
|
-$451.4M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.64%
+19.2% YoY
-0.7% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.90%
+7.3% YoY
+0.5% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
52.85%
-6.0% YoY
+2.8% QoQ
|
-9.78% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.24%
+356.9% YoY
+61.3% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
92.33%
+0.7% YoY
-2.1% QoQ
|
+9.27% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
16.08%
-4.4% YoY
+12.3% QoQ
|
-4.97% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.29%
+762.1% YoY
+191.9% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.97%
+11.9% YoY
+46.8% QoQ
|
+0.23% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#179 of 371 · Top 48% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.97%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Capital Thin
risk
#114 of 432 · Bottom 26% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#162 of 513 · Bottom 31% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.33%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#251 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 52.85% · Tier avg: 62.63%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
66
66th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
46
46th pctile
Total Loans
Current: $658.5M · Tier avg: $975.5M
45
45th pctile
Total Assets
Current: $939.7M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $713.2M · Tier avg: $1.2B
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.33% · Tier avg: 83.06%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.33% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
40
40th pctile
Total Deposits
Current: $713.2M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $939.7M · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $658.5M · Tier avg: $975.5M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
66
66th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
78
78th pctile
Efficiency Ratio
Current: 52.85% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%