Heartland Bank (FDIC #14809): Bank Stress & Real-Estate Credit Exposure

Heartland Bank (FDIC Cert #14809): bank stress 35/100, contained, STABLE over 7 days; parent SOMERS BCORP.

Heartland Bank (#14809) lends in 3 counties across 1 state; Heartland Bank (#14809) reaches 44 ZIP codes: Iowa 3 counties, 44 ZIPs.

Heartland Bank (#14809) largest markets: Webster County, IA (44 branches, 22 ZIPs) (#14809), Calhoun County, IA (30 branches, 15 ZIPs) (#14809), Greene County, IA (13 branches, 13 ZIPs) (#14809).

Heartland Bank (#14809) reports $256.1 million in total assets; Heartland Bank (#14809) equity $34.2 million (13.3% of Heartland Bank (#14809) assets); Heartland Bank (#14809) domestic deposits $203.7 million; Heartland Bank (#14809) net income $2.9 million; Heartland Bank (#14809) return on assets 2.17%; Heartland Bank (#14809) return on equity 16.94%; Heartland Bank (#14809) net interest income $6.2 million; Heartland Bank (#14809) call report June 30, 2026.

Heartland Bank (#14809) noncurrent real-estate loans: none reported; Heartland Bank (#14809) residential -0.27%; Heartland Bank (#14809) net charge-offs on real estate 0.61%.

Heartland Bank (#14809) net interest margin 5.09% against an eight-quarter Heartland Bank (#14809) average of 4.84% (Heartland Bank (#14809) compression -0.25 points); Heartland Bank (#14809) rate-exposure score 40/100, Heartland Bank (#14809) fixed-rate trap 40/100; Heartland Bank (#14809) risk type rate trapped; Heartland Bank (#14809) rate regime rates elevated, Heartland Bank (#14809) snapshot October 19, 2026.

Heartland Bank (#14809) stress score moved from 31.1 on June 22, 2026 to 35.4 on October 19, 2026; Heartland Bank (#14809) ranged 31.1 to 35.4 over 116 snapshots.

Heartland Bank (#14809) alerts: 3 counties; top Heartland Bank (#14809) alert scores: Jefferson County, IA 34 (low); Gowrie County, IA 16 (low); Somers County, IA 16 (low).