HTLF Bank

Headquarters

1800 Larimer St
Denver, CO 80202
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC 2.99% 0.99% →

2024 Overview

General Bank Information

HTLF Bank is an FDIC insured institution located in Denver, CO. It was founded in 2006 and has approximately $19.05 billion in assets. Customers can open an account at one of its 32 branches.

FDIC Insured Yes
FDIC Certificate # 58458
Date Established 2006
Assets $ 19.05 billion
Loans $ 11.87 billion
Deposits $ 16.19 billion
Capital $ 1,999.98 million
 

For a more detailed analysis of HTLF Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 25, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - July 25, 2024

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches



Climate Policy and Initiatives

HTLF Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

HTLF Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of HTLF Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
HTLF Bank U.S. Bank Average
5.37% 4.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2024, HTLF Bank had $95,411,000 in non-current loans and $18,655,000 in owned real estate. To cover these potential losses it had $1,999,979,000 in equity and $123,934,000 in loans loss reserves. That gives it a Texas Ratio of 5.37%.

Return on Equity
HTLF Bank U.S. Bank Average
11.71% 10.46%

HTLF Bank has a Return on Equity of 11.71% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
HTLF Bank U.S. Bank Average
10.5% 10.73%

HTLF Bank has a Capitalization of 10.5% versus the BestCashCow average of 10.73. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

HTLF Bank Balance Sheet Analysis

As of March 31, 2024, HTLF Bank had assets of $19,052,966,000, loans of $11,868,197,000, and deposits of $16,185,381,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 449.74 million
Interest-bearing balances $ 237.43 million
Total securities $ 5.26 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 11.87 billion
Loan loss allowance $ 123.93 million
Trading account assets $ 63.52 million
Bank premises and fixed assets N.A.
Other real estate owned $ 18.66 million
Goodwill and other intangibles $ 592.93 million
All other assets $ 69.17 million
     Total Assets $ 17.05 billion
LIABILITIES
Total deposits $ 16.19 billion
      Interest-bearing deposits $ 11.49 billion
      Deposits held in domestic offices $ 16.19 billion
      % insured (estimated) 61.07%
Federal funds purchased and repurchase agreements $ 47.96 million
Trading liabilities $ 63.52 million
Other borrowed funds $ 12.09 million
Subordinated debt N.A.
All other liabilities $ 12.79 million
      Total Liabilities $ 17.05 billion
      Shareholders’ Equity $ 1,999.98 million

Summary Income Statement

March 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 251.53 million
Total Interest Expense $ 91.63 million
Net interest income $ 159.90 million
Provision for loan and lease losses $ 0.99 million
Total non interest income $ 26.25 million
Total non interest expense $ 108.71 million
Pre-tax Net Operating Income $ 20.53 million

Bank Loan Profile?

The top three loan types in HTLF Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks, HTLF Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.81
Multifamily
Mortgages
0.52
Credit Card Loans 0.01
Consumer Auto Loans 0.03
Small Business Loans 5.61
Construction and Development Loans 1.21
Commercial Real Estate 6.53
Commercial and Industrial Loans 2.79
Farm Loans 0.01

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