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

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
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