Heartland National Bank
Sebring, FL · Cert 35052 · Peer group: banks under $1B in assets operating in a single state (n=870-877)
FDIC · 4 branches
Q2 2025
$784.6MAssets
$156.3MLoans
$685.3MDeposits
$71.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 24 of 877).
- Widest gap: net interest margin trails 70% of banks under $1B in assets operating in a single state (rank 611 of 877).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 165 of 877
Net Interest Margin
3.09%
Rank 611 of 877
Efficiency Ratio
40.44%
Rank 24 of 877
Equity / Assets
9.15%
Rank 555 of 877
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.59% | 0.91% | 1.33% | Beats 81% | 165 / 877 | |
| Return on Equity | 15.97% | 5.70% | 9.44% | 12.92% | Beats 88% | 104 / 875 | |
| Net Interest Margin | 3.09% | 2.93% | 3.45% | 4.01% | Beats 30% | 611 / 877 | |
| Efficiency Ratio | 40.44% | 58.83% | 68.07% | 78.03% | Beats 97% | 24 / 877 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.40% | 1.05% | Beats 70% | 261 / 870 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 268 / 870 | |
| Capital |
| Tier 1 Capital Ratio | 30.05% | 11.42% | 13.82% | 17.56% | Beats 94% | 49 / 877 | |
| Total Risk-Based Capital Ratio | 31.20% | 11.77% | 14.35% | 18.30% | Beats 94% | 49 / 877 | |
| Equity / Assets | 9.15% | 8.27% | 10.06% | 12.60% | Beats 37% | 555 / 877 | |
| Liquidity & Funding |
| Loans / Deposits | 22.81% | 61.05% | 77.58% | 89.60% | 1st pctl | 864 / 877 | |
| Loans / Assets | 19.92% | 53.01% | 66.67% | 76.13% | 1st pctl | 861 / 870 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |