| Weiss Ratings |
Heartland National Bank
Sebring, FL |
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| Rating | ||||
| Asset Quality Index | 9.90 | |||
| Capitalization Index | 8.10 | |||
| Liquidity Index | 6.50 | |||
| Profitability Index | 8.40 | |||
| Stability Index | 6.20 | |||
| Company Info |
Heartland National Bank
Sebring, FL |
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| FDIC Number | 35052 | |||
| Phone Number | (863) 386-1300 | |||
| Website | www.heartlandnb.com | |||
| Asset Quality |
Heartland National Bank
Sebring, FL |
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| 1-Year Asset Growth | 6.62% | |||
| 5-Year Asset Growth | 15.70% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | -0.20% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.42% | |||
| Non-Performing Loans to Loans | 0.20% | |||
| Balance Sheet |
Heartland National Bank
Sebring, FL |
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| Total Assets | 763.38M | |||
| Total Deposits | 667.41M | |||
| Capital and Reserves |
Heartland National Bank
Sebring, FL |
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| Capital | 69.15M | |||
| Leverage Ratio | 9.74 | |||
| Loan Loss Reserves to Loans | 1.65% | |||
| Risk-Based Capital Ratio | 30.01 | |||
| Liquidity |
Heartland National Bank
Sebring, FL |
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| Hot Money Ratio | 7.74% | |||
| Liquidity Ratio | 79.80% | |||
| Profitability |
Heartland National Bank
Sebring, FL |
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| 5-Year Return on Average Assets | 1.16% | |||
| Net Income | 2.77M | |||
| Net Interest Spread | 3.30% | |||
| Operating Profit to Average Assets | 1.97% | |||
| Overhead Efficiency Ratio | 42.02% | |||
| Return on Assets | 1.48% | |||
| Return on Equity | 16.47% | |||