Heartland Bank

5100 Kavanaugh Blvd.
Little Rock, AR 72207

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28761
Date Established 1933
Assets $0.18 billion
Loans $0.10 billion
Deposits $0.16 billion
Capital $0.01 billion

Heartland Bank is an FDIC insured institution located in Little Rock, AR. It was founded in 1933 and has approximately $0.18 billion in assets. Customers can open an account at one of its 5 branches.

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

Bank Loan Profile?

The top three loan types in Heartland Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, Heartland Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 7.58
Multifamily
Mortgages
0.14
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 4.02
Construction and Development Loans 4.19
Commercial Real Estate 20.77
Commercial and Industrial Loans 67.04
Farm Loans 0.00

Deposit Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for Heartland Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Heartland Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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J.G. Wentworth Home Lending, LLC
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Ally Bank
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4.935% 4.875% 0.25 $1,826 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Heartland Bank
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Branches

Heartland Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Heartland Bank Locations

Financial Details

Heartland Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heartland 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
Heartland Bank U.S. Bank Average
168.53% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Heartland Bank had $18,560,000 in non-current loans and $1,392,000 in owned real estate. To cover these potential losses it had $9,700,000 in equity and $2,139,000 in loans loss reserves. That gives it a Texas Ratio of 168.53%.

Return on Equity
Heartland Bank U.S. Bank Average
-151.85% 9.77%

Heartland Bank has a Return on Equity of -151.85% versus the BestCashCow average of 9.77%. 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
Heartland Bank U.S. Bank Average
5.32% 12.31%

Heartland Bank has a Capitalization of 5.32% versus the BestCashCow average of 12.31. 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.

Heartland Bank Balance Sheet Analysis

As of December 31, 2017, Heartland Bank had assets of $176,063,000, loans of $101,552,000, and deposits of $164,368,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.05 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 90.13%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $-0.01 billion

Frequently Asked Questions About Heartland Bank

Branches and Savings

Is Heartland Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28761.

Why does Heartland Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Heartland Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Heartland Bank a commercial bank?

Yes

Where are Heartland Bank locations?

See branch locations nearby.

Is Heartland Bank open on Saturdays?

Is Heartland Bank open on Sundays?

What time does Heartland Bank open?

What time does Heartland Bank close?

Are Heartland Bank ATMs Open 24/7?

Do Heartland Bank ATMs accept cash deposits?

Can Heartland Bank customers use other ATMs?

Do Heartland Bank branches have notaries?

Will Heartland Bank notarize my document?

What address for Heartland Bank should I put for incoming ACH transfers?

Will the Heartland Bank branch print checks?

Do Heartland Bank checks expire?

Does Heartland Bank require US citizenship to open account?

Can Heartland Bank close my account?

Does Heartland Bank Report to credit bureaus?

Does Heartland Bank Use Equifax?

What is Heartland Bank's ACH Routing Number?

What is Heartland Bank's SWIFT code?

Products

Does Heartland Bank offer mortgages?

Compare mortgage rates here.

Does Heartland Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heartland Bank offer personal loans?

Compare personal loan rates here.

Does Heartland Bank offer student loans?

Will Heartland Bank cash a check?

Will Heartland Bank redeem a savings bond?

Does Heartland Bank cash savings bonds?

Will Heartland Bank cash money orders?

Can Heartland Bank issue a money order?

Does Heartland Bank do currency exchange?

Background on The Bank

Who owns Heartland Bank?

How long has Heartland Bank been around?

Can Heartland Bank transfer to other banks?

Does Heartland Bank have quick pay?

Does Heartland Bank accept rolled coins?

Will Heartland Bank accept loose change?

Where is Heartland Bank headquarters?

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