TellerScore

Heartland Bank (FDIC certificate #18740) is based in Geneva, Nebraska. Its Q2 2026 call report shows $911.1M in total assets and $754.6M in deposits and 15 offices.

Based on its Q2 2026 filing, Heartland Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 41st. Its strongest component is earnings (100/100; 2.01%), and its lowest is capital cushion (53/100; 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings100/100
Return on assets (annualized): 2.01%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 85.5% · 22.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (74 → 80), mostly because the earnings component improved by 16 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202474
Q1 202575
Q2 202574
Q3 202575
Q4 202573
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%7.63%10.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.76%
Q3 20249.93%
Q4 20249.88%
Q1 20259.96%
Q2 20259.95%
Q3 202510.10%
Q4 20259.65%
Q1 202610.23%
Q2 202610.25%
Noncurrent loans
0.02%0.14%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.06%
Q4 20240.05%
Q1 20250.18%
Q2 20250.20%
Q3 20250.14%
Q4 20250.23%
Q1 20260.26%
Q2 20260.13%
Return on assets
1.34%1.68%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.35%
Q4 20241.38%
Q1 20251.58%
Q2 20251.60%
Q3 20251.65%
Q4 20251.64%
Q1 20261.84%
Q2 20262.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$911.1M10.25%0.13%2.01%85.5%
Q1 202677$901.5M10.23%0.26%1.84%82.6%
Q4 202573$939.7M9.65%0.23%1.64%92.3%
Q3 202575$948.5M10.10%0.14%1.65%94.3%
Q2 202574$919.5M9.95%0.20%1.60%87.5%
Q1 202575$908.2M9.96%0.18%1.58%88.8%
Q4 202474$921.9M9.88%0.05%1.38%91.7%
Q3 202474$882.2M9.93%0.06%1.35%86.3%
Q2 202475$864.0M9.76%0.02%1.34%81.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.25%
37th
Total risk-based capital0.00%
24th
Problem loans0.13%
72nd
Net charge-offs-0.00%
76th
Return on assets2.01%
87th
Net interest margin4.23%
67th
Efficiency ratio48.5%
86th
Loans to deposits85.5%
37th
Uninsured deposits22.5%
55th
Loan-loss reserves1.09%
38th
Texas ratio0.7%
73rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Dundee BankBank Omaha, NE77 out of 100, Strong$975.6M9.6%0.02%vs
Arbor BankBank Nebraska City, NE57 out of 100, Moderate$701.7M8.7%1.03%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs
Citizens State BankBank Wisner, NE72 out of 100, Strong$653.0M10.1%0.20%vs

Deposit insurance

Is my money safe at Heartland Bank?

Yes. Heartland Bank is an FDIC-insured institution (FDIC certificate #18740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($169.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Heartland Bank lists 14 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Heartland Bank reported 84 home-loan applications under HMDA (LEI 254900U0LVIJMXKBGT11): 73 originated ($12,365,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Heartland Bank
Former names
Geneva State Bank
Type
State-chartered bank
FDIC certificate #
18740
RSSD ID
88455
Primary regulator
FDIC
Holding company
Geneva State Co
Established
March 3, 1899
Headquarters
896 G St, Geneva, NE 68361
Employees
112

Quick answers

Heartland Bank: common questions

Is Heartland Bank FDIC insured?

Yes. Heartland Bank is an FDIC-insured institution (FDIC certificate #18740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Heartland Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Heartland Bank ever failed?

There is no failure record for FDIC certificate #18740 in the FDIC failed bank list.

How many branches does Heartland Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Geneva

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Farmers and Merchants BankBank Milligan, NE78 out of 100, Strong$215.4M11.1%0.19%vs
Citizens State BankBank Carleton, NE78 out of 100, Strong$35.6M11.4%0.00%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
First Bank of UticaBank Utica, NE76 out of 100, Strong$77.4M14.3%0.63%vs
Waypoint BankBank Cozad, NE75 out of 100, Strong$391.5M10.9%0.59%vs