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Heartland State Bank

IDRSSD: 135854
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 135854 held $156.0M in total assets as of 2026-03-31 (+0.8% quarter-over-quarter). Total loans stood at $117.2M (+1.7% QoQ) and total deposits at $134.7M (+7.9% QoQ).

Overall position is adequate — the composite Health Score is 55/100 (Adequate). Tier 1 / RWA stands at 10.86%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
55/100
Adequate
Active Alerts
1
0 critical, 0 warning
Total Assets
$156.0M
+0.8% QoQ
Total Loans
$117.2M
+1.7% QoQ
Total Deposits
$134.7M
+7.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.86%
5th pctile · n=217↑ better
+12 bp QoQ
CET1 / RWA
10.86%
59th pctile · n=500↑ better
+13 bp QoQ
Total RBC / RWA
11.56%
2th pctile · n=217↑ better
+13 bp QoQ
Tier 1 Leverage Ratio
10.86%
59th pctile · n=500↑ better
+13 bp QoQ

Liquidity

Cash / Assets
2.47%
23th pctile · n=500↑ better
-158 bp QoQ
Loans / Deposits
86.98%
73th pctile · n=492↓ better
-531 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.00%
11th pctile · n=500↓ better
NPA / Assets
0.00%
10th pctile · n=500↓ better
Texas Ratio (regulatory)
0.00%
10th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
0.00%
43th pctile · n=500↓ better
ALLL Coverage of NPL
0.00%
11th pctile · n=500↑ better

Earnings

Net Interest Margin
5.11%
91th pctile · n=500↑ better
+13 bp QoQ
Return on Assets
2.20%
90th pctile · n=500↑ better
-13 bp QoQ
Return on Equity
24.39%
96th pctile · n=500↑ better
-154 bp QoQ
Efficiency Ratio
56.39%
24th pctile · n=500↓ better
+372 bp QoQ
Pre-tax NOI / Avg Assets
2.35%
90th pctile · n=500↑ better
-7 bp QoQ

Funding

Brokered / Deposits
4.41%
77th pctile · n=492↓ better
-19 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.71%
82th pctile · n=500↓ better
-435 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
14.74%
38th pctile · n=500↑ better
-203 bp QoQ
AFS Securities / Assets
14.65%
44th pctile · n=500↑ better
-203 bp QoQ
HTM Securities / Assets
0.09%
74th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 19:26:13 UTC