Heartland State Bank
Edgeley, ND · Cert 3919 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · JBS Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$75.6MAssets
$29.4MLoans
$68.3MDeposits
$6.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 49% of banks under $1B in assets operating in a single state (rank 382 of 743).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 713 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.53%
Rank 626 of 746
Net Interest Margin
2.69%
Rank 680 of 746
Efficiency Ratio
78.40%
Rank 595 of 746
Equity / Assets
9.05%
Rank 544 of 746
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.72% | 1.06% | 1.45% | Beats 16% | 626 / 746 | | |
| Return on Equity | 5.83% | 6.74% | 10.51% | 13.63% | Beats 21% | 589 / 746 | | |
| Net Interest Margin | 2.69% | 3.17% | 3.68% | 4.16% | Beats 9% | 680 / 746 | | |
| Efficiency Ratio | 78.40% | 55.74% | 64.58% | 75.47% | Beats 20% | 595 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.36% | 0.09% | 0.42% | 1.07% | Beats 5% | 710 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 49% | 382 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.75% | 11.55% | 13.75% | 17.60% | Beats 5% | 712 / 746 | | |
| Total Risk-Based Capital Ratio | 9.75% | 11.71% | 14.33% | 18.43% | Beats 4% | 713 / 746 | | |
| Equity / Assets | 9.05% | 8.90% | 10.51% | 13.06% | Beats 27% | 544 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.10% | 61.31% | 78.27% | 90.78% | 6th pctl | 699 / 746 | | |
| Loans / Assets | 38.90% | 53.60% | 66.97% | 76.08% | 8th pctl | 688 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |