Heartland National Bank

320 U.S. Highway 27 North
Sebring, FL 33870


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35052
Date Established 1999
Assets $0.41 billion
Loans $0.15 billion
Deposits $0.36 billion
Capital $0.04 billion

Heartland National Bank is an FDIC insured institution located in Sebring, FL. It was founded in 1999 and has approximately $0.41 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - October 17, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.25% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
36 Mo CD
1.60% $1,000 - Learn MoreShow Less
48 Mo CD
1.70% $1,000 - Learn MoreShow Less
60 Mo CD
2.00% $1,000 - Learn MoreShow Less

Fixed IRA
1.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - October 17, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Heartland National Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.515% 3.500% 0.25 $478 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972
3.554% 3.500% 0.25 $1,714 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
3.662% 3.625% 0.50 $1,148 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Heartland National Bank
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Financial Details

Heartland National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heartland National 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 National Bank U.S. Bank Average
0.9% 6.77%

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, 2019, Heartland National Bank had $248,000 in non-current loans and $120,000 in owned real estate. To cover these potential losses it had $38,554,000 in equity and $2,345,000 in loans loss reserves. That gives it a Texas Ratio of 0.9%.

Return on Equity
Heartland National Bank U.S. Bank Average
13.92% 9.50%

Heartland National Bank has a Return on Equity of 13.92% versus the BestCashCow average of 9.50%. 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.

Heartland National Bank U.S. Bank Average
9.31% 12.76%

Heartland National Bank has a Capitalization of 9.31% versus the BestCashCow average of 12.76. 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 National Bank Balance Sheet Analysis

As of June 30, 2019, Heartland National Bank had assets of $414,245,000, loans of $152,434,000, and deposits of $361,570,000. 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, 2019
Cash & Balances due from depository institutions $0.14 billion
Interest-bearing balances $0.14 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 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 $0.01 billion
     Total Assets $0.38 billion
Total deposits $0.36 billion
      Interest-bearing deposits $0.28 billion
      Deposits held in domestic offices $0.36 billion
      % insured (estimated) 83.37%
Federal funds purchased and repurchase agreements $0.01 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 $0.38 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Florida, Heartland National Bank has a significantly higher percent of Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.92
Credit Card Loans 0.00
Consumer Auto Loans 1.35
Small Business Loans 19.95
Construction and Development Loans 6.69
Commercial Real Estate 31.75
Commercial and Industrial Loans 5.18
Farm Loans 10.74

Frequently Asked Questions About Heartland National Bank

Branches and Savings

Is Heartland National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35052.

Why does Heartland National 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 National Bank CD rates not competitive?

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

Is Heartland National Bank a commercial bank?


Where are Heartland National Bank locations?

See branch locations nearby.

Is Heartland National Bank open on Saturdays?

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Are Heartland National Bank ATMs Open 24/7?

Do Heartland National Bank ATMs accept cash deposits?

Can Heartland National Bank customers use other ATMs?

Do Heartland National Bank branches have notaries?

Will Heartland National Bank notarize my document?

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

Will the Heartland National Bank branch print checks?

Do Heartland National Bank checks expire?

Does Heartland National Bank require US citizenship to open account?

Can Heartland National Bank close my account?

Does Heartland National Bank Report to credit bureaus?

Does Heartland National Bank Use Equifax?

What is Heartland National Bank's ACH Routing Number?

What is Heartland National Bank's SWIFT code?


Does Heartland National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Heartland National Bank offer personal loans?

Compare personal loan rates here.

Does Heartland National Bank offer student loans?

Will Heartland National Bank cash a check?

Will Heartland National Bank redeem a savings bond?

Does Heartland National Bank cash savings bonds?

Will Heartland National Bank cash money orders?

Can Heartland National Bank issue a money order?

Does Heartland National Bank do currency exchange?

Background on The Bank

Who owns Heartland National Bank?

How long has Heartland National Bank been around?

Can Heartland National Bank transfer to other banks?

Does Heartland National Bank have quick pay?

Does Heartland National Bank accept rolled coins?

Will Heartland National Bank accept loose change?

Where is Heartland National Bank headquarters?

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