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Heartland State Bank
Edgeley, ND · FDIC Certificate #3919 · Chartered 01/0
Total assets
$75.64M
Total deposits
$68.28M
Total equity
$6.84M
Net loans
$28.98M
Branches (offices)
2
Net income (YTD)
$254.00K
Rank: #3,868 of 4,213 U.S. banks by assets · #51 of 60 in North Dakota. Assets changed 6.4% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 7.58% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 9.05% |
| Tier 1 leverage ratio | 9.75% |
| Uninsured deposits (share of deposits) | 13.1% |
| Noncurrent loans (share of loans) | 3.36% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 42.4% |
| Real estate loans (share of loans) | 44.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.88M | 44.4% | |
| Commercial & industrial | $2.40M | 8.3% | |
| Consumer / individual | $2.12M | 7.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $11.72M | 40.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $74.93M | $68.37M | $59.00K | $6.17M |
| Jun 2023 | $62.20M | $54.75M | $492.00K | $5.47M |
| Jun 2024 | $64.08M | $57.66M | $220.00K | $5.72M |
| Jun 2025 | $71.12M | $64.17M | $262.00K | $6.41M |
| Jun 2026 | $75.64M | $68.28M | $254.00K | $6.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $68.28M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $68.28M.
Similar-sized banks
Bank Of Hazelton ($75.77M) · Commercial State Bank ($75.50M)
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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