B
Heartland State Bank
Rating Date
June 2025
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 7.20
Capitalization Index 8.20
Liquidity Index 2.80
Profitability Index 9.10
Stability Index 6.30
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 -0.72%
5-Year Asset Growth 12.92%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
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 150.61M
Total Deposits 126.03M
Capital and Reserves Heartland State Bank
Redfield, SD
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Capital 12.94M
Leverage Ratio 9.82
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 12.71
Liquidity Heartland State Bank
Redfield, SD
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Hot Money Ratio 18.98%
Liquidity Ratio 21.03%
Profitability Heartland State Bank
Redfield, SD
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5-Year Return on Average Assets 1.91%
Net Income 881.00K
Net Interest Spread 4.73%
Operating Profit to Average Assets 2.49%
Overhead Efficiency Ratio 50.74%
Return on Assets 2.35%
Return on Equity 27.95%