Heartland Bank
Geneva, Nebraska, Fillmore County
$911M in total assets, the 1,158th largest of 4,309 US banks and 24th of 139 headquartered in Nebraska.
- FDIC certificate
- 18740
- Established
- 1899
- Owned by
- Geneva State Co
- Primary regulator
- FDIC
- Website
- www.myheartland.bank
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $911M | 98% | $293M | |
| Loans | $652M | 98% | $217M | |
| Deposits | $755M | 98% | $241M | |
| Return on assets | 1.85% | 85% | 1.32% | |
| Net interest margin | 4.23% | 75% | 3.93% | |
| Efficiency ratio | 48.5% | 20% | 57.9% | |
| Equity to assets | 11.30% | 56% | 11.03% | |
| Loans to deposits | 86% | 48% | 87% |
Growth
Total assets grew 4.1% a year over the last 5 years and 8.7% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2024 | State Bank of Odell Odell, NE | $33M |
| Jan 2019 | The First National Bank of Fairbury Fairbury, NE | $143M |
| Jan 2019 | Jefferson County Bank Daykin, NE | $40M |
| Mar 2014 | State Bank of Riverdale Riverdale, NE | $95M |
| Oct 2010 | Farmers State Bank Fairmont, NE | $8M |
| Oct 2002 | Grafton State Bank Grafton, NE, an affiliate under the same holding company | $12M |
| Jun 2001 | Shickley State Bank Shickley, NE | $16M |
Where they operate
15 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fillmore County, NE | $277M | 47.3% | 1 of 6 |
| Jefferson County, NE | $180M | 45.3% | 1 of 5 |
| Buffalo County, NE | $125M | 5.3% | 9 of 17 |
| Hamilton County, NE | $48M | 9.3% | 4 of 6 |
| Adams County, NE | $48M | 3.3% | 8 of 11 |
| Garfield County, NE | $35M | 35.4% | 1 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (8 to 15, +87.5%). 2 opened, 6 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2018 | Opened Aurora | 1 | 0 | +1 | 9 |
| 2019 | Acquired The First National Bank of Fairbury and Jefferson County BankOpened Grand Island | 5 | 0 | +5 | 14 |
| 2022 | Closed Fairbury | 0 | 1 | −1 | 13 |
| 2024 | Acquired State Bank of Odell | 2 | 0 | +2 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 32% | 21% | |
| Agricultural | 29% | 23% | |
| Commercial real estate | 20% | 16% | |
| Business (C&I) | 7% | 11% | |
| Construction and land | 6% | 7% | |
| 1-4 family residential | 4% | 16% | |
| Consumer | 1% | 2% | |
| Multifamily | 0% | 3% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 46% | |
| Time deposits | 28% | 37% | |
| Noninterest-bearing | 15% | 17% |
Brokered deposits are 0.8% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.13% | 0.21% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.09% | 1.27% |
| Leverage ratio | 10.25% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Fillmore County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/heartland-bank-geneva-ne