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Heartland Bank
Somers, IA · FDIC Certificate #14809 · Chartered 01/0
Total assets
$256.06M
Total deposits
$203.66M
Total equity
$34.18M
Net loans
$212.25M
Branches (offices)
5
Net income (YTD)
$2.85M
Rank: #2,679 of 4,213 U.S. banks by assets · #123 of 225 in Iowa. Assets changed 2.8% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.17% |
| Return on equity | 16.94% |
| Net interest margin (YTD) | 5.09% |
| Equity to assets | 13.35% |
| Tier 1 leverage ratio | 13.23% |
| Uninsured deposits (share of deposits) | 23.8% |
| Noncurrent loans (share of loans) | 0.81% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 104.2% |
| Real estate loans (share of loans) | 56.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.37M | 56.7% | |
| Commercial & industrial | $31.62M | 14.9% | |
| Consumer / individual | $1.51M | 0.7% | |
| Construction & development | $849.00K | 0.4% | |
| Agricultural | $60.33M | 28.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $212.34M | $175.74M | $1.88M | $20.84M |
| Jun 2023 | $234.71M | $200.57M | $2.24M | $23.62M |
| Jun 2024 | $242.88M | $199.66M | $2.29M | $26.92M |
| Jun 2025 | $249.03M | $198.85M | $2.86M | $30.42M |
| Jun 2026 | $256.06M | $203.66M | $2.85M | $34.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $203.66M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $203.66M.
Similar-sized banks
Alliant Bank ($256.38M) · Bankers' Bank Of Kansas ($255.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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