← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Nebraska, the state note

Heartland Bank

Geneva, Nebraska · $911M in assets · beside the 11 other Nebraska banks between $300M and $1B

The filing

2.01%
ROA
3rd of 12
86.4%
Loans / deposits
4th of 12
11.3%
Equity / assets
4th of 12

Heartland Bank is the second largest of the 12 Nebraska banks nearest its size between $300M and $1B, with $911M in assets at 30 June 2026. Loans are 86.4% of deposits, 4th of 12 against a median of 91.4%, and equity is 11.3% of assets, 4th of 12. Loans grew +2.7% in the year, 9th of 12, and deposits grew 5.2%; the cohort's median loan growth is +8.4%.

Noncurrent loans are 0.13% of the book, 5th of 12 against a median of 0.17%; 0.03% is 30 to 89 days past due, and the allowance covers them 8.6 times. Commercial real estate is 13.2% of loans, 5th of 12 against a median of 14.5%, and 94% of capital, below the 300% screen, with construction at 43% against the 100% screen. CRE has grown +333.0% over 36 months, past the guidance's 50% prong.

Return on assets is 2.01%, 3rd of 12 against a median of 1.45%, on an efficiency ratio of 49.3%, 5th of 12. Five years ago it was 1.77%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsNE banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.45% HB Heritage Bank 2.56% DB Dundee Bank 2.10% HB Heartland Bank 2.01% RB Riverstone Bank 1.96% WC Washington County Bank 1.73% HS Henderson State Bank 1.55% MC Madison County Bank 1.34% BB Bruning Bank 1.25% CS Citizens State Bank 1.17% AB Arbor Bank 1.13% MB MNB Bank 1.04% Bo Bank of the Valley 0.88%
Loans, year over yearNE banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.4% HB Heritage Bank +26.5% HS Henderson State Bank +25.3% DB Dundee Bank +23.0% RB Riverstone Bank +15.0% AB Arbor Bank +12.2% CS Citizens State Bank +10.6% BB Bruning Bank +6.2% Bo Bank of the Valley +4.9% HB Heartland Bank +2.7% WC Washington County Bank +2.0% MC Madison County Bank +0.2% MB MNB Bank -1.2%

SBA 7(a), FY2008 to FY2026

Heartland Bank is the 149th largest 7(a) lender into Nebraska of 257, with $2M across 18 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $186M). 2 of its 2 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Nebraska, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Buffalo, NE$1M10th of 382.7%quiet FY2019
Adams, NE$279K6th of 127.1%quiet FY2016
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing5$461K27.7%0.00%1709th of 2,246
Accommodation & food services3$346K20.8%0.00%2059th of 2,596
Construction2$309K18.6%0.00%1634th of 2,063
Retail trade3$278K16.7%0.00%2155th of 2,589
Health care & social assistance4$142K8.5%0.00%1900th of 2,172
7(a) lenders into Nebraska, share of approvals since FY2008257 lenders on record; the ten largest and Heartland Bank
WF Wells Fargo Bank National Associa… 8.2% $186M · 483 loans UB Union Bank and Trust Company 7.1% $161M · 573 loans FN First National Bank of Omaha 6.4% $144M · 618 loans FS First State Bank Nebraska 6.2% $141M · 432 loans LO Live Oak Banking Company 4.4% $100M · 77 loans FI First Interstate Bank 3.8% $86M · 180 loans AB Associated Bank National Associat… 3.3% $74M · 159 loans CB Core Bank 2.4% $54M · 116 loans UB U.S. Bank, National Association 2.0% $45M · 530 loans NB Northwest Bank 1.6% $36M · 143 loans HB Heartland Bank 0.1% $2M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Heartland Bank among them; owner-occupied excluded; bold marks a screen met
Heartland BankRankCohort median
Total CRE against capital, the 300% screen94%6th of 1294%
Construction against capital, the 100% screen43%9th of 1228%
Construction and land development, share of loans6.1%8th of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans7.1%5th of 129.3%
Total CRE, the guidance definition, share of loans13.2%5th of 1214.5%
CRE growth over 36 months, the third prong+333.0%12th of 12+87.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Dundee Bank$976M2.1%40.4%0.02%0.00%1.3%101.4%9.1%
Heartland Bank$911M2.0%49.3%0.13%0.00%1.1%86.4%11.3%
Arbor Bank$702M1.1%73.3%1.03%0.01%1.0%98.3%8.7%
Henderson State Bank$678M1.6%45.2%0.27%0.00%0.7%110.2%10.0%
Washington County Bank$662M1.7%49.3%0.34%0.16%1.2%89.8%12.4%
Bruning Bank$660M1.3%60.0%0.00%0.00%1.5%88.4%9.1%
Citizens State Bank$653M1.2%66.1%0.20%0.01%1.4%85.6%8.8%
Madison County Bank$613M1.3%51.0%0.37%0.00%1.4%96.3%15.1%
Heritage Bank$612M2.6%33.0%1.18%0.00%1.0%71.2%22.7%
MNB Bank$594M1.0%66.8%0.15%0.04%1.5%77.3%11.3%
Riverstone Bank$593M2.0%56.0%0.05%0.01%1.2%101.6%9.5%
Bank of the Valley$582M0.9%70.8%0.05%0.00%1.4%93.1%9.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Heartland BankCohort median
20212026Change20212026Change
Loans$421M$652M+55%$325M$504M+55%
Deposits$629M$755M+20%$376M$535M+42%
NPA / loans0.33%0.13%-0.20 pts0.47%0.17%-0.29 pts
Efficiency50.6%49.3%-1.4 pts53.1%53.5%+0.4 pts
ROA1.77%2.01%+0.24 pts1.54%1.45%-0.09 pts

This read was prepared for Heartland Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Heartland Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NE banks $300M to $1B
Institution www.myheartland.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue