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Heartland Bank

Geneva, NE · Cert 18740 · Geneva State Co.

State charter, non-member · FDIC · 15 branches

Q2 2026

$911.1MAssets
$652.1MLoans
$754.6MDeposits
$103.0MEquity
Loan mix
88%RE $392.4M11%C&I $48.3M1%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $644.4M15%Noninterest $110.2MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.21%Q2 ’255.33%Q2 ’26+4%+12%

Non-interest income vs. expense

2.42%Q2 ’242.33%Q2 ’252.45%Q2 ’26-11%-6%

Market Position · Grand Island, NE · 2026 SOD (annual) · 0.3% share · #22 of 22 inst. · $0.0B of $3.6B

47.3% Fillmore
45.3% Jefferson
5.3% Buffalo
9.3% Hamilton

Executive Summary

  • Earnings: ROA of 2.01%, up 40 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.25%, up 30 bps from a year ago.
  • Funding: loans stand at 86.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.01%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+43 bps YoY

Efficiency Ratio (YTD, annualized)

48.46%-406 bps YoY

Tier 1 Leverage Ratio

10.25%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.65%1.64%1.84%2.01%+40 bps
Return on Equity15.46%15.70%15.51%16.49%17.91%+245 bps
Net Interest Margin3.54%3.54%3.54%3.80%3.96%+43 bps
Efficiency Ratio52.52%51.42%52.85%50.31%48.46%-406 bps
Non-Interest Burden1.44%1.39%1.42%1.42%1.35%-8 bps
Growth
Asset Growth (YoY)6.41%7.52%1.93%-0.74%-0.91%-732 bps
Loan Growth (YoY)13.41%15.43%7.53%3.57%2.71%-1,070 bps
Deposit Growth (YoY)5.46%5.70%6.86%11.38%5.19%-28 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.14%0.23%0.26%0.13%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.06%1.07%1.11%1.09%0 bps
Allowance Coverage of NPLs5.4x7.4x4.6x4.3x8.6x+3.3x
Capital
Tier 1 Leverage Ratio9.95%10.10%9.65%10.23%10.25%+30 bps
Total Risk-Based Capital9.95%10.10%9.65%10.23%10.25%+30 bps
Equity / Assets10.67%11.00%10.78%11.55%11.30%+63 bps
Liquidity & Funding
Loans / Deposits88.50%95.28%93.33%83.51%86.41%-208 bps
Liquid Assets / Assets4.32%4.11%3.87%4.00%3.86%-47 bps
CRE / Total Capitaln/a185.64%194.28%181.94%n/an/a