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Heartland National Bank

Sebring, FL
IDRSSD: 2800491
Total Assets
$784.65M
Latest filing
Total Deposits
$685.29M
Latest filing
Net Interest Margin
3.16%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date09/07/1999
Community BankYes
Ownership TypeNot Mutual
ZIP33870
State and County Number12055
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code3
Insured by FDICInstitution closed or not insured by FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameSebring-Avon Park, FL

Operational Info

Number of Employees57
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date07/11/2025
Date of Deposit Insurance09/07/1999
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated11/28/2025
CERT35052
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$784.65M
Total Deposits$685.29M
Total Liabilities$712.87M
Total Equity Capital$71.78M
Net Income$2.96M
Net Loans and Leases$153.66M
Assets Per Employee ($Millions)$13.77M
Bank Premises and Fixed Assets$3.83M
Cash and Balances due from Depository Institutions$253.14M
Deposits Held in Domestic Offices$685.29M

Key Performance Ratios

Return on Assets (ROA)1.53%
Return on Equity (ROE)16.81%
Net Interest Margin3.16%
Efficiency Ratio38.87%
Tier 1 Risk-Based Capital Ratio30.049%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.148%
Earning Assets to total Assets96.24%

Income and Expense

Total Interest Income$8.81M
Total Noninterest Income$538.00k
Total Interest Expense$2.91M
Total Noninterest Expense$2.50M
Net Interest Income$5.89M
Pre-tax Net Operating Income$3.93M
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$21.57M
All Other Liabilities$6.01M
Total Liabilities and Capital$784.65M

Securities

Securities$357.86M
Available-for-sale debt securities$357.86M
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 National Bank?
$784.65M as of the latest filing.
How much are Heartland National Bank's total deposits?
$685.29M in total deposits.
Where is Heartland National Bank located?
Sebring, FL.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
4.
When was it established?
09/07/1999.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$153.66M (latest filing).
What is the total interest income (latest filing)?
$8.81M.