Total Assets
$940M
Total balance-sheet footings
FDIC Cert #18740 · Geneva, Nebraska · Est. 1899
Heartland Bank - FDIC Bank Health Profile
A community-scale look at Heartland Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $940M
- Total assets
- B
- Health grade · Good
- 1.64%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
Heartland Bank earns a PlainBankData health grade of B (75/100), with 9.65% Tier 1 capital, profitable at 1.64% ROA, efficient (53% cost ratio).
- #1,108
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 9.65%
- Tier 1 ratio - below the 10% well-capitalized line
- 80th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Heartland Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Heartland Bank's composite health score
Tier 1 Capital Ratio (9.65%) 18/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (1.43%) 20/20
Efficiency Ratio (52.85%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$713M
Customer-funded liabilities
Net Loans
$659M
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Heartland Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heartland Bank's score of 75/100 falls in the highlighted band.
Heartland Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heartland Bank's $940M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.65% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.65%
Texas Ratio
1.43%
Equity Capital
$101M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
15.51%
Efficiency Ratio
52.85%
What the numbers say about Heartland Bank
Heartland Bank is an FDIC-insured institution (Certificate #18740) headquartered in Geneva, Nebraska, established in 1899. It holds $940M in total assets - 1,108th of 4,313 FDIC-insured banks, $713M in customer deposits, and $659M in net loans. Its capital position: a Tier 1 ratio of 9.65%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.43% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Heartland Bank sits 24th of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$49M
Interest Income
$9M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Heartland Bank reports a Texas Ratio of 1.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heartland Bank (FDIC Cert #18740) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is Heartland Bank's health grade?▼
Heartland Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Heartland Bank?▼
Heartland Bank holds $940M in total assets and $713M in deposits, ranking 1,108th of 4,313 FDIC-insured banks by asset size. It is headquartered in Geneva, Nebraska.
Is my money safe at Heartland Bank?▼
Yes, deposits at Heartland Bank (Certificate #18740) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Heartland Bank's Tier 1 Capital Ratio?▼
Heartland Bank has a Tier 1 Capital Ratio of 9.65%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Heartland Bank?▼
Heartland Bank has a Texas Ratio of 1.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Heartland Bank?▼
Heartland Bank has an Efficiency Ratio of 52.85%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Heartland Bank's profile as a depositor or analyst.
- Heartland Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Heartland Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.