BlastPoint's Banking Scorecard
Heartland State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 9007
Designations: ✓ Community bank
Redfield, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Heartland State Bank shows strong momentum with 5 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.40% above tier
- + Net Interest Margin 1.15% above tier
- + Efficiency Ratio 18.04% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.7M
+5.6% YoY
-0.6% QoQ
|
-$62.8M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$115.3M
+15.2% YoY
+3.3% QoQ
|
-$23.9M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$124.9M
+6.4% YoY
+6.9% QoQ
|
-$58.8M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
2.48%
+20.8% YoY
-1.7% QoQ
|
+1.40% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.01%
+12.3% YoY
-0.0% QoQ
|
+1.15% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
49.69%
-7.8% YoY
+2.1% QoQ
|
-18.04% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.30%
+8.3% YoY
-3.4% QoQ
|
+17.77% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
33.32%
+12.0% YoY
+18.9% QoQ
|
+10.93% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
10.73%
-10.8% YoY
-5.1% QoQ
|
+1.88% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.54%
-12.2% YoY
+34.5% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.48%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.69%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
90
90th pctile
Efficiency Ratio
Current: 49.69% · Tier avg: 67.73%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.32% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.73% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.3M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $154.7M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $124.9M · Tier avg: $183.7M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.30% · Tier avg: 74.53%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.30% · Tier avg: 74.53%
37
37th pctile
Total Deposits
Current: $124.9M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $154.7M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $115.3M · Tier avg: $139.2M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.73% · Tier avg: 8.85%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.32% · Tier avg: 22.39%
90
90th pctile
Efficiency Ratio
Current: 49.69% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%