Heartland Bank (FDIC #18740): Bank Stress & Real-Estate Credit Exposure
Heartland Bank (FDIC Cert #18740): bank stress 46/100, moderate, STABLE over 7 days; parent GENEVA STATE CO.
Heartland Bank (#18740) lends in 8 counties across 1 state; Heartland Bank (#18740) reaches 87 ZIP codes: Nebraska 8 counties, 87 ZIPs.
Heartland Bank (#18740) largest markets: Gage County, NE (18 branches, 18 ZIPs) (#18740), Hamilton County, NE (14 branches, 14 ZIPs) (#18740), Buffalo County, NE (28 branches, 14 ZIPs) (#18740), Fillmore County, NE (56 branches, 14 ZIPs) (#18740), Adams County, NE (14 branches, 14 ZIPs) (#18740), Jefferson County, NE (52 branches, 13 ZIPs) (#18740).
Heartland Bank (#18740) reports $911.1 million in total assets; Heartland Bank (#18740) equity $103.0 million (11.3% of Heartland Bank (#18740) assets); Heartland Bank (#18740) domestic deposits $754.6 million; Heartland Bank (#18740) net income $9.2 million; Heartland Bank (#18740) return on assets 2.01%; Heartland Bank (#18740) return on equity 17.91%; Heartland Bank (#18740) net interest income $17.7 million; Heartland Bank (#18740) call report June 30, 2026.
Heartland Bank (#18740) noncurrent real-estate loans: none reported; Heartland Bank (#18740) net charge-offs on real estate 0.11%.
Heartland Bank (#18740) net interest margin 4.23% against an eight-quarter Heartland Bank (#18740) average of 3.88% (Heartland Bank (#18740) compression -0.35 points); Heartland Bank (#18740) rate-exposure score 40/100, Heartland Bank (#18740) fixed-rate trap 40/100; Heartland Bank (#18740) risk type credit driven; Heartland Bank (#18740) rate regime rates elevated, Heartland Bank (#18740) snapshot October 19, 2026.
Heartland Bank (#18740) stress score moved from 47 on June 22, 2026 to 45.9 on October 19, 2026; Heartland Bank (#18740) ranged 45.9 to 47 over 116 snapshots.
Heartland Bank (#18740) alerts: 8 counties; top Heartland Bank (#18740) alert scores: Aurora County, NE 18 (low); Burwell County, NE 18 (low); Fairbury County, NE 18 (low); Grand Island County, NE 18 (low); Hastings County, NE 18 (low).