TellerScore

Hoosier Heartland State Bank (FDIC certificate #15566) is based in Crawfordsville, Indiana. Its Q2 2026 call report shows $356.3M in total assets and $327.3M in deposits and 7 offices.

Hoosier Heartland State Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 56th. Problem-loan coverage contributes the most (88/100, 5.8%); capital cushion contributes the least (37/100, 8.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.70%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 79.9% · 34.3% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.85%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
606264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202461
Q4 202462
Q1 202561
Q2 202563
Q3 202562
Q4 202560
Q1 202664
Q2 202663
Tier 1 leverage ratio
5.00%6.85%8.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.36%
Q3 20248.33%
Q4 20248.33%
Q1 20258.52%
Q2 20258.52%
Q3 20258.53%
Q4 20258.43%
Q1 20268.57%
Q2 20268.70%
Noncurrent loans
0.23%0.43%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.32%
Q4 20240.23%
Q1 20250.39%
Q2 20250.33%
Q3 20250.46%
Q4 20250.51%
Q1 20260.36%
Q2 20260.63%
Return on assets
0.65%0.96%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.69%
Q4 20240.69%
Q1 20250.78%
Q2 20250.93%
Q3 20251.00%
Q4 20250.96%
Q1 20261.13%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$356.3M8.70%0.63%1.27%79.9%
Q1 202664$351.0M8.57%0.36%1.13%81.7%
Q4 202560$352.5M8.43%0.51%0.96%84.9%
Q3 202562$348.3M8.53%0.46%1.00%79.9%
Q2 202563$330.6M8.52%0.33%0.93%77.0%
Q1 202561$329.3M8.52%0.39%0.78%75.7%
Q4 202462$332.1M8.33%0.23%0.69%74.4%
Q3 202461$329.0M8.33%0.32%0.69%73.7%
Q2 202462$328.5M8.36%0.28%0.65%72.5%

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 ratio8.70%
8th
Total risk-based capital11.47%
51st
Problem loans0.63%
40th
Net charge-offs-0.00%
82nd
Return on assets1.27%
51st
Net interest margin4.14%
61st
Efficiency ratio69.5%
31st
Loans to deposits79.9%
50th
Uninsured deposits34.3%
18th
Loan-loss reserves1.23%
54th
Texas ratio5.8%
31st

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Campbell & Fetter BankBank Kendallville, IN71 out of 100, Strong$355.0M10.0%0.00%vs
Mutual Savings BankBank Franklin, IN71 out of 100, Strong$352.9M10.2%0.00%vs
Bath State BankBank Bath, IN60 out of 100, Moderate$337.6M8.8%0.78%vs
American Community Bank of IndianaBank Saint John, IN43 out of 100, Below average$383.0M9.8%2.33%vs
The Riddell National BankBank Brazil, IN59 out of 100, Moderate$384.3M8.5%0.92%vs
Owen County State BankBank Spencer, IN59 out of 100, Moderate$388.5M8.6%0.62%vs

Deposit insurance

Is my money safe at Hoosier Heartland State Bank?

Yes. Hoosier Heartland State Bank is an FDIC-insured institution (FDIC certificate #15566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.3% of deposits ($112.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.47% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Hoosier Heartland State Bank lists 7 offices in 5 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Personal Credit Card—$0$251.0%

All Hoosier Heartland State Bank card terms

Identity & history

Profile

Legal name
Hoosier Heartland State Bank
Former names
Linden State Bank
Type
State-chartered bank
FDIC certificate #
15566
RSSD ID
157744
Primary regulator
FDIC
Holding company
Hoosier Heartland St Bcorp Employee Stk Ownership&svg Plan Tr
Established
December 1, 1899
Headquarters
1661 S Us Highway 231, Crawfordsville, IN 47933
Employees
61

Quick answers

Hoosier Heartland State Bank: common questions

Is Hoosier Heartland State Bank FDIC insured?

Yes. Hoosier Heartland State Bank is an FDIC-insured institution (FDIC certificate #15566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hoosier Heartland State Bank's TellerScore?

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

Has Hoosier Heartland State Bank ever failed?

There is no failure record for FDIC certificate #15566 in the FDIC failed bank list.

How many branches does Hoosier Heartland State Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Crawfordsville

InstitutionScoreAssetsCapitalProblem loansCompare
CentreBankBank Veedersburg, IN90 out of 100, Very strong$120.0M17.2%0.33%vs
Fowler State BankBank Fowler, IN80 out of 100, Strong$190.3M15.5%0.61%vs
Battery Employees Federal Credit UnionCredit union Attica, IN74 out of 100, Strong$847K29.3%2.64%vs
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs
State BankBank Brownsburg, IN71 out of 100, Strong$916.1M11.9%0.13%vs