Heartland National Bank


320 U.S. Highway 27 North
Sebring, FL 33870
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Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.35% 1.05% →
2-Year CD 0.50% 1.11% →
5-Year CD 0.85% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Heartland National Bank is an FDIC insured institution located in Sebring, FL. It was founded in 1999 and has approximately $0.43 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 35052
Date Established 1999
Assets $ 431.97 million
Loans $ 159.17 million
Deposits $ 387.44 million
Capital $ 40.78 million

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 - August 12, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $1 - Learn More
Money Market
0.10% $2,500 $9,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
3 Mo CD
0.15% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
12 Mo CD
0.35% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
36 Mo CD
0.55% $1,000 - Learn More
48 Mo CD
0.70% $1,000 - Learn More
60 Mo CD
0.85% $1,000 - Learn More

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

Loan Rates - August 12, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
3.500 %
$25,000 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
0.37% 6.94%

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, 2020, Heartland National Bank had $160,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $40,781,000 in equity and $2,413,000 in loans loss reserves. That gives it a Texas Ratio of 0.37%.

Return on Equity
Heartland National Bank U.S. Bank Average
10.97% 7.80%

Heartland National Bank has a Return on Equity of 10.97% versus the BestCashCow average of 7.80%. 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
9.44% 12.68%

Heartland National Bank has a Capitalization of 9.44% versus the BestCashCow average of 12.68. 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 March 31, 2020, Heartland National Bank had assets of $431,969,000, loans of $159,167,000, and deposits of $387,436,000. 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, 2020
Cash & Balances due from depository institutions $ 156.51 million
Interest-bearing balances $ 150.59 million
Total securities $ 101.13 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 159.17 million
Loan loss allowance $ 2.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 11.01 million
     Total Assets $ 391.19 million
Total deposits $ 387.44 million
      Interest-bearing deposits $ 280.17 million
      Deposits held in domestic offices $ 387.44 million
      % insured (estimated) 81.20%
Federal funds purchased and repurchase agreements $ 0.00 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.75 million
      Total Liabilities $ 391.19 million
      Shareholders’ Equity $ 40.78 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 3.32 million
Total Interest Expense $ 0.35 million
Net interest income $ 2.97 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.44 million
Total non interest expense $ 1.96 million
Pre-tax Net Operating Income $ 1.45 million

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 Farm 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 28.31
Credit Card Loans 0.00
Consumer Auto Loans 1.08
Small Business Loans 0.00
Construction and Development Loans 7.29
Commercial Real Estate 30.07
Commercial and Industrial Loans 5.95
Farm Loans 9.87

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?

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Is Heartland National Bank open on Saturdays?

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Are Heartland National Bank ATMs Open 24/7?

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Will Heartland National Bank notarize my document?

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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?

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Does Heartland National Bank Use Equifax?

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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?

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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?

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Will Heartland National Bank accept loose change?

Where is Heartland National Bank headquarters?

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