B
Heartland State Bank
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
Redfield, SD
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Rating B
Asset Quality Index 7.20
Capitalization Index 8.50
Liquidity Index 2.60
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 2.52%
5-Year Asset Growth 12.92%
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 155.69M
Total Deposits 116.83M
Capital and Reserves Heartland State Bank
Redfield, SD
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Capital 13.90M
Leverage Ratio 10.00
Loan Loss Reserves to Loans 0.86%
Risk-Based Capital Ratio 12.04
Liquidity Heartland State Bank
Redfield, SD
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Hot Money Ratio 21.19%
Liquidity Ratio 14.78%
Profitability Heartland State Bank
Redfield, SD
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5-Year Return on Average Assets 1.91%
Net Income 2.84M
Net Interest Spread 4.86%
Operating Profit to Average Assets 2.67%
Overhead Efficiency Ratio 48.68%
Return on Assets 2.51%
Return on Equity 28.78%