FDIC Cert #3919 · Edgeley, North Dakota · Est. 1921

Heartland State Bank - FDIC Bank Health Profile

A community-scale look at Heartland State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$73M
Total assets
C
Health grade · Fair
0.81%
Return on assets
10.4%
Tier 1 capital

Data updated July 2026

The verdict

Heartland State Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.40% Tier 1, 0.81% ROA, 76% efficiency ratio.

#3,963
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
10.40%
Tier 1 ratio - above the 10% well-capitalized line
30th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3919 · ND C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3728/4307
  • PHOTO-FINISH The First National B… · SD
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 14.6% Texas
  • ROA-PAR 0.81% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: The First National Bank of Frederick, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heartland State Bank

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankWest, Inc. · SD · near62/100Heartland State Bank · ND · …62/100The Citizens Bank of… · OK ·…62/100The First National B… · IL ·…62/100The First National B… · SD ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heartland State Bank · July 2026

Plate reading for Heartland State Bank where failures stay rare

Heartland State Bank (FDIC Cert #3919) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,728 of 4,307. Tier 1 capital prints at 10.40%, clearing the 10% well-capitalized line. The Texas Ratio is 14.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $73M, 3,963rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Frederick (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heartland State Bank

Zero FAILURE resolutions in North Dakota since 2000

Heartland State Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How Heartland State Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Heartland State Bank's composite health score
Tier 1 Capital Ratio (10.40%) 28/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (14.58%) 16/20
Efficiency Ratio (76.29%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$73M

Total balance-sheet footings

Total Deposits

$65M

Customer-funded liabilities

Net Loans

$34M

Outstanding loan book

Net Income

$560K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9% 10.4% 11.8%
Basel III capital ratios - Heartland State Bank

Where Heartland State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heartland State Bank's score of 62/100 falls in the highlighted band.

Heartland State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heartland State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heartland State 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 State Bank's $73M falls in the highlighted band.

Safety metrics: Heartland State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.40%
Texas Ratio
14.58%
Equity Capital
$7M

What these ratios mean →

Profitability metrics: Heartland State Bank

Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
8.88%
Efficiency Ratio
76.29%

What these mean →

Income & expense at Heartland State Bank

$3M
Interest Income
$168K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heartland State Bank reports a Texas Ratio of 14.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

14.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heartland State Bank on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($73M here), outside North Dakota so the neighborhood is not state containment.

The First National Bank of Brooksville $73M · KY Redemption Bank $72M · UT Clinton Bank $72M · KY Security State Bank of Kenyon $72M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heartland State Bank (FDIC Cert #3919) - 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.

Heartland State Bank Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%