Heartland Bank
Whitehall, OH
IDRSSD: 853112
Total Assets
$1.97B
Latest filing
Total Deposits
$1.76B
Latest filing
Net Interest Margin
3.35%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Middlefield Banking Company
Middlefield, Ohio
→
Assets: $1.98BΔ +0.5%
Westfield Bank, FSB
Westfield Center, Ohio
→
Assets: $2.06BΔ +4.8%
CFBank, National Association
Columbus, Ohio
→
Assets: $2.11BΔ +7.1%
Waterford Bank, N.A.
Toledo, Ohio
→
Assets: $1.76BΔ -10.7%
LCNB National Bank
Lebanon, Ohio
→
Assets: $2.24BΔ +13.8%
Sutton Bank
Attica, Ohio
→
Assets: $1.66BΔ -15.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43213 |
| State and County Number | 39049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Columbus, OH |
Operational Info
| Number of Employees | 264 |
| Domestic Offices | 23 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 9443 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.97B |
| Total Deposits | $1.76B |
| Total Liabilities | $1.78B |
| Total Equity Capital | $187.77M |
| Net Income | $6.11M |
| Net Loans and Leases | $1.54B |
| Assets Per Employee ($Millions) | $7.46M |
| Bank Premises and Fixed Assets | $35.60M |
| Cash and Balances due from Depository Institutions | $102.60M |
| Deposits Held in Domestic Offices | $1.76B |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 12.98% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 59.39% |
| Tier 1 Risk-Based Capital Ratio | 12.784% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.539% |
| Earning Assets to total Assets | 94.04% |
Income and Expense
| Total Interest Income | $27.31M |
| Total Noninterest Income | $3.12M |
| Total Interest Expense | $12.02M |
| Total Noninterest Expense | $10.96M |
| Net Interest Income | $15.29M |
| Pre-tax Net Operating Income | $7.45M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.97M |
| All Other Liabilities | $11.45M |
| Total Liabilities and Capital | $1.97B |
Securities
| Securities | $222.35M |
| Available-for-sale debt securities | $222.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heartland Bank?
$1.97B as of the latest filing.
How much are Heartland Bank's total deposits?
$1.76B in total deposits.
Where is Heartland Bank located?
Whitehall, OH.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
23.
When was it established?
01/01/1911.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$1.54B (latest filing).
What is the total interest income (latest filing)?
$27.31M.