Heartland State Bank
Edgeley, ND
IDRSSD: 837653
Total Assets
$69.21M
Latest filing
Total Deposits
$62.02M
Latest filing
Net Interest Margin
3.57%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heartland State Bank
401 Main St
Edgeley, ND 58433
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1921FDIC Certificate 2555
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heartland State Bank (Main) | 401 Main St | Edgeley, ND |
| HEARTLAND STATE BANK - KULM | 13 Main Ave N | Kulm, ND |
Showing 1 of 1
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58433 |
| State and County Number | 38045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/31/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.heartlandstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 3919 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $69.21M |
| Total Deposits | $62.02M |
| Total Liabilities | $62.53M |
| Total Equity Capital | $6.67M |
| Net Income | $147.00k |
| Net Loans and Leases | $32.15M |
| Assets Per Employee ($Millions) | $6.29M |
| Bank Premises and Fixed Assets | $956.00k |
| Cash and Balances due from Depository Institutions | $11.41M |
| Deposits Held in Domestic Offices | $62.02M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 8.99% |
| Net Interest Margin | 3.57% |
| Efficiency Ratio | 74.26% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 9.643% |
| Earning Assets to total Assets | 89.96% |
Income and Expense
| Total Interest Income | $855.00k |
| Total Noninterest Income | $43.00k |
| Total Interest Expense | $292.00k |
| Total Noninterest Expense | $450.00k |
| Net Interest Income | $563.00k |
| Pre-tax Net Operating Income | $156.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.20M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $512.00k |
| Total Liabilities and Capital | $69.21M |
Securities
| Securities | $18.66M |
| Available-for-sale debt securities | $18.60M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 State Bank?
$69.21M as of the latest filing.
How much are Heartland State Bank's total deposits?
$62.02M in total deposits.
Where is Heartland State Bank located?
Edgeley, ND.
What is the Net Interest Margin?
3.57%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$32.15M (latest filing).
What is the total interest income (latest filing)?
$855.00k.