Heartland State Bank (FDIC #9007): Bank Stress & Real-Estate Credit Exposure

Heartland State Bank (FDIC Cert #9007): bank stress 44/100, contained, STABLE over 7 days; parent WESSINGTON BANKSHARES INC.

Heartland State Bank (#9007) lends in 3 counties across 1 state; Heartland State Bank (#9007) reaches 29 ZIP codes: South Dakota 3 counties, 29 ZIPs.

Heartland State Bank (#9007) largest markets: Spink County, SD (30 branches, 15 ZIPs) (#9007), Beadle County, SD (11 branches, 11 ZIPs) (#9007), Hyde County, SD (5 branches, 5 ZIPs) (#9007).

Heartland State Bank (#9007) reports $154.0 million in total assets; Heartland State Bank (#9007) equity $14.4 million (9.3% of Heartland State Bank (#9007) assets); Heartland State Bank (#9007) domestic deposits $135.1 million; Heartland State Bank (#9007) net income $1.9 million; Heartland State Bank (#9007) return on assets 2.43%; Heartland State Bank (#9007) return on equity 26.57%; Heartland State Bank (#9007) net interest income $3.8 million; Heartland State Bank (#9007) call report June 30, 2026.

Heartland State Bank (#9007) noncurrent real-estate loans: none reported; Heartland State Bank (#9007) net charge-offs on real estate 0.00%.

Heartland State Bank (#9007) net interest margin 5.25% against an eight-quarter Heartland State Bank (#9007) average of 4.89% (Heartland State Bank (#9007) compression -0.36 points); Heartland State Bank (#9007) rate-exposure score 40/100, Heartland State Bank (#9007) fixed-rate trap 40/100; Heartland State Bank (#9007) risk type credit driven; Heartland State Bank (#9007) rate regime rates elevated, Heartland State Bank (#9007) snapshot October 19, 2026.

Heartland State Bank (#9007) stress score moved from 49 on June 22, 2026 to 44.4 on October 19, 2026; Heartland State Bank (#9007) ranged 44.4 to 49 over 116 snapshots.

Heartland State Bank (#9007) alerts: 3 counties; top Heartland State Bank (#9007) alert scores: Highmore County, SD 18 (low); Tulare County, SD 18 (low); Wessington County, SD 18 (low).