C
Heartland State Bank
Edgeley,  ND
Rating Date
August 2026
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 4.30
Capitalization Index 8.10
Liquidity Index 4.60
Profitability Index 3.20
Stability Index 5.30
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 6.36%
5-Year Asset Growth 3.29%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 1.31%
Non-Performing Loans to Capital 12.23%
Non-Performing Loans to Loans 3.36%
Balance Sheet Heartland State Bank
Edgeley, ND
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Total Assets 75.65M
Total Deposits 68.28M
Capital and Reserves Heartland State Bank
Edgeley, ND
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Capital 6.84M
Leverage Ratio 9.75
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity Heartland State Bank
Edgeley, ND
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Hot Money Ratio 27.06%
Liquidity Ratio 47.82%
Profitability Heartland State Bank
Edgeley, ND
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5-Year Return on Average Assets 0.56%
Net Income 254.00K
Net Interest Spread 3.00%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 78.40%
Return on Assets 0.66%
Return on Equity 7.59%