C
Heartland State Bank
EdgeleyND
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heartland State Bank
Edgeley, ND
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Rating C
Asset Quality Index 4.00
Capitalization Index 9.70
Liquidity Index 4.00
Profitability Index 3.90
Stability Index 5.50
Company Info Heartland State Bank
Edgeley, ND
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FDIC Number 3919
Phone Number (701) 493-2817
Website www.heartlandstatebank.com
Asset Quality Heartland State Bank
Edgeley, ND
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1-Year Asset Growth 9.22%
5-Year Asset Growth 1.23%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.52%
Non-Performing Loans to Capital 13.00%
Non-Performing Loans to Loans 3.22%
Balance Sheet Heartland State Bank
Edgeley, ND
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Total Assets 69.21M
Total Deposits 62.02M
Capital and Reserves Heartland State Bank
Edgeley, ND
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Capital 6.67M
Leverage Ratio 10.82
Loan Loss Reserves to Loans 1.38%
Risk-Based Capital Ratio --
Liquidity Heartland State Bank
Edgeley, ND
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Hot Money Ratio 28.14%
Liquidity Ratio 41.20%
Profitability Heartland State Bank
Edgeley, ND
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5-Year Return on Average Assets 0.57%
Net Income 409.00K
Net Interest Spread 3.50%
Operating Profit to Average Assets 0.78%
Overhead Efficiency Ratio 76.56%
Return on Assets 0.78%
Return on Equity 8.75%