B
Heartland State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heartland State Bank
Redfield, SD
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Rating B
Asset Quality Index 7.10
Capitalization Index 8.10
Liquidity Index 2.20
Profitability Index 10.00
Stability Index 5.70
Company Info Heartland State Bank
Redfield, SD
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FDIC Number 9007
Phone Number (605) 475-5500
Website www.hsbsd.com
Asset Quality Heartland State Bank
Redfield, SD
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1-Year Asset Growth 5.59%
5-Year Asset Growth 11.74%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Heartland State Bank
Redfield, SD
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Total Assets 154.73M
Total Deposits 124.87M
Capital and Reserves Heartland State Bank
Redfield, SD
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Capital 14.06M
Leverage Ratio 9.72
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 11.43
Liquidity Heartland State Bank
Redfield, SD
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Hot Money Ratio 20.44%
Liquidity Ratio 12.32%
Profitability Heartland State Bank
Redfield, SD
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5-Year Return on Average Assets 1.91%
Net Income 3.75M
Net Interest Spread 4.86%
Operating Profit to Average Assets 2.61%
Overhead Efficiency Ratio 49.69%
Return on Assets 2.47%
Return on Equity 28.03%