Heartland Bank
Croton, OH · Cert 9443 · Peer group: banks $1B-$10B in assets (n=259-265)
FDIC · 23 branches
Q4 2024
$2.0BAssets
$1.6BLoans
$1.8BDeposits
$187.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 75% of banks $1B-$10B in assets (rank 67 of 265).
- Widest gap: nonperforming loans / loans trails 59% of banks $1B-$10B in assets (rank 154 of 259).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.15%
Rank 67 of 265
Net Interest Margin
3.09%
Rank 99 of 265
Efficiency Ratio
61.77%
Rank 107 of 265
Equity / Assets
9.54%
Rank 141 of 265
Non-interest income vs. expense
Unfavorable gap of $33.0M · efficiency ratio beats 60% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.59% | 0.88% | 1.15% | Beats 75% | 67 / 265 | |
| Return on Equity | 12.00% | 6.61% | 9.35% | 11.95% | Beats 75% | 65 / 265 | |
| Net Interest Margin | 3.09% | 2.50% | 2.88% | 3.37% | Beats 63% | 99 / 265 | |
| Efficiency Ratio | 61.77% | 56.50% | 64.63% | 72.96% | Beats 60% | 107 / 265 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.17% | 0.42% | 0.89% | Beats 41% | 154 / 259 | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.06% | 0.20% | Beats 60% | 105 / 259 | |
| Capital |
| Tier 1 Capital Ratio | 12.78% | 11.21% | 12.48% | 14.46% | Beats 54% | 121 / 265 | |
| Total Risk-Based Capital Ratio | 14.03% | 12.06% | 13.47% | 15.42% | Beats 61% | 103 / 265 | |
| Equity / Assets | 9.54% | 8.42% | 9.65% | 11.19% | Beats 47% | 141 / 265 | |
| Liquidity & Funding |
| Loans / Deposits | 88.40% | 75.05% | 87.21% | 94.28% | 56th pctl | 115 / 260 | |
| Loans / Assets | 79.23% | 64.11% | 73.90% | 79.94% | 73rd pctl | 70 / 259 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |