Heartland Bank
Somers, IA · Cert 14809 · Peer group: banks under $1B in assets in IA (n=134-135) · Somers Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
$256.1MAssets
$216.1MLoans
$203.7MDeposits
$34.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in IA (rank 2 of 135).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in IA (rank 111 of 134).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.81%
Rank 10 of 135
Net Interest Margin
4.85%
Rank 2 of 135
Efficiency Ratio
51.63%
Rank 38 of 135
Equity / Assets
13.35%
Rank 33 of 135
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 73% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.92% | 1.19% | 1.47% | Beats 93% | 10 / 135 | |
| Return on Equity | 13.55% | 7.99% | 10.26% | 13.14% | Beats 76% | 32 / 135 | |
| Net Interest Margin | 4.85% | 2.95% | 3.41% | 3.73% | Beats 99% | 2 / 135 | |
| Efficiency Ratio | 51.63% | 50.61% | 57.35% | 63.29% | Beats 73% | 38 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.03% | 0.51% | 1.26% | Beats 36% | 87 / 134 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.03% | Beats 18% | 111 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 15.00% | 11.23% | 13.31% | 15.45% | Beats 68% | 43 / 135 | |
| Total Risk-Based Capital Ratio | 16.25% | 11.61% | 14.06% | 16.47% | Beats 72% | 38 / 135 | |
| Equity / Assets | 13.35% | 9.87% | 11.05% | 13.07% | Beats 76% | 33 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 106.12% | 68.54% | 81.55% | 91.24% | 94th pctl | 8 / 134 | |
| Loans / Assets | 84.40% | 57.61% | 68.06% | 76.23% | 95th pctl | 7 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |