Heartland State Bank is a state-chartered bank headquartered in Edgeley, North Dakota, in business for about 105 years. At the end of Q2 2026 it reported $75.6M in total assets and $68.3M in deposits, with 2 offices.
Based on its Q2 2026 filing, Heartland State Bank scores 46/100, which we describe as below average. That is higher than only 7% of 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 60th. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 13% uninsured), and its lowest is loan quality (0/100; 3.36%).
TellerScore · Q2 2026
Scorecard
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 fell 5 points (51 → 46), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 55 |
| Q4 2024 | 55 |
| Q1 2025 | 49 |
| Q2 2025 | 51 |
| Q3 2025 | 50 |
| Q4 2025 | 49 |
| Q1 2026 | 45 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.14% |
| Q3 2024 | 11.66% |
| Q4 2024 | 11.37% |
| Q1 2025 | 10.75% |
| Q2 2025 | 10.50% |
| Q3 2025 | 10.82% |
| Q4 2025 | 10.40% |
| Q1 2026 | 9.86% |
| Q2 2026 | 9.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.80% |
| Q3 2024 | 2.59% |
| Q4 2024 | 2.43% |
| Q1 2025 | 2.78% |
| Q2 2025 | 2.76% |
| Q3 2025 | 3.22% |
| Q4 2025 | 3.01% |
| Q1 2026 | 3.46% |
| Q2 2026 | 3.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $75.6M | 9.75% | 3.36% | 0.67% | 42.4% |
| Q1 2026 | 45 | $77.6M | 9.86% | 3.46% | 0.46% | 40.8% |
| Q4 2025 | 49 | $72.6M | 10.40% | 3.01% | 0.81% | 51.6% |
| Q3 2025 | 50 | $69.2M | 10.82% | 3.22% | 0.79% | 51.8% |
| Q2 2025 | 51 | $71.1M | 10.50% | 2.76% | 0.76% | 52.1% |
| Q1 2025 | 49 | $70.4M | 10.75% | 2.78% | 0.51% | 52.8% |
| Q4 2024 | 55 | $64.1M | 11.37% | 2.43% | 0.78% | 69.0% |
| Q3 2024 | 55 | $63.4M | 11.66% | 2.59% | 0.80% | 67.4% |
| Q2 2024 | 51 | $64.1M | 11.14% | 2.80% | 0.66% | 60.8% |
546 peers · Under $100 million in assets
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).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of HazeltonBank Hazelton, ND | 72 out of 100, Strong | $75.8M | 11.1% | 1.01% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
| Citizens State Bank of LankinBank Lankin, ND | 57 out of 100, Moderate | $72.1M | 10.1% | 1.58% | vs |
| The Citizens State Bank at MohallBank Mohall, ND | 75 out of 100, Strong | $80.2M | 11.8% | 0.43% | vs |
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
| State Bank of LakotaBank Lakota, ND | 71 out of 100, Strong | $64.2M | 9.6% | 0.49% | vs |
Deposit insurance
Is my money safe at Heartland State Bank?
Yes. Heartland State Bank is an FDIC-insured institution (FDIC certificate #3919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.1% of deposits ($8.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.75%, 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%).
2 locations
Branches
Heartland State Bank lists 2 offices in 2 cities. Most locations:
- Edgeley, ND (1)
- Kulm, ND (1)
Identity & history
Profile
- Legal name
- Heartland State Bank
- Former names
- Security State Bank of Edgeley; The Security National Bank of Edgeley
- Type
- State-chartered bank
- FDIC certificate #
- 3919
- RSSD ID
- 837653
- Primary regulator
- FDIC
- Holding company
- Jbs Inc
- Established
- January 1, 1921
- Headquarters
- 401 Main St, Edgeley, ND 58433
- Website
- www.heartlandstatebank.com
- Employees
- 11
Quick answers
Heartland State Bank: common questions
Is Heartland State Bank FDIC insured?
Yes. Heartland State Bank is an FDIC-insured institution (FDIC certificate #3919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heartland State Bank's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heartland State Bank ever failed?
There is no failure record for FDIC certificate #3919 in the FDIC failed bank list.
How many branches does Heartland State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Edgeley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankNorthBank Arthur, ND | 72 out of 100, Strong | $694.1M | 10.3% | 0.58% | vs |
| Dakota Plains Credit UnionCredit union Edgeley, ND | 67 out of 100, Moderate | $93.3M | 12.3% | 0.96% | vs |
| Dakota Heritage BankBank Hunter, ND | 63 out of 100, Moderate | $416.8M | 9.8% | 1.62% | vs |