Heartland Bank
Geneva, NE · Cert 18740 · Peer group: banks under $1B in assets in NE (n=83) · Geneva State Co.
State charter, non-member · FDIC · 15 branches
Q2 2026
$911.1MAssets
$652.1MLoans
$754.6MDeposits
$103.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets in NE (rank 3 of 83).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in NE (rank 70 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.02%
Rank 9 of 83
Net Interest Margin
3.96%
Rank 23 of 83
Efficiency Ratio
49.28%
Rank 16 of 83
Equity / Assets
11.30%
Rank 43 of 83
Non-interest income vs. expense
Unfavorable gap of $12.4M · efficiency ratio beats 82% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.93% | 1.20% | 1.51% | Beats 89% | 9 / 83 | |
| Return on Equity | 17.88% | 8.04% | 10.34% | 13.11% | Beats 96% | 3 / 83 | |
| Net Interest Margin | 3.96% | 3.25% | 3.62% | 4.02% | Beats 72% | 23 / 83 | |
| Efficiency Ratio | 49.28% | 51.13% | 59.95% | 67.19% | Beats 82% | 16 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.00% | 0.19% | 0.96% | Beats 58% | 36 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 60% | 35 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 10.25% | 10.94% | 13.24% | 16.62% | Beats 16% | 70 / 83 | |
| Total Risk-Based Capital Ratio | 10.25% | 11.04% | 13.54% | 17.63% | Beats 16% | 70 / 83 | |
| Equity / Assets | 11.30% | 9.90% | 11.31% | 13.84% | Beats 48% | 43 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 86.41% | 71.97% | 83.15% | 92.22% | 58th pctl | 35 / 83 | |
| Loans / Assets | 71.57% | 57.96% | 69.15% | 77.64% | 55th pctl | 37 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |