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4937 Highway 5 North
Bryant, AR 72022

Heartland Bank is headquartered in Bryant and is the 47th largest bank in the state of Arkansas. It is also the 2,959th largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 38 employees at 4 locations. Heartland Bank's savings rates are 8X the national average, and it has a B+ health rating.

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Reviews (1)

Excellent Bank

I've been with Heartland since 2008 and currently have three rewards checking account each at the maximum 30,000. When I began with them, the interest rate was 6%. As of 9/2/2010 it's 3.25% but I suspect it will go down.

This is a small local bank that really aims to serve its customers. Every time I've called, a real person answers and goes the extra mile to make sure that whatever questions/concerns I have are completely resolved.

The bank has never made an error of any sort and at the end of each cycle the interest is posted without fail.

I am thoroughly happy with Heartland and only wish I lived in Arkansas so I could make it my primary bank. It's that good.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Heartland Bank had $4.09 million in non-current loans and owned real-estate with $30.94 million in equity and loan loss allowances on hand to cover it. This gives Heartland Bank a Texas Ratio of 13.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Heartland Bank experienced no significant changes from 10.70% as of December 31, 2012 to 13.21% as of December 31, 2013, resulting in a negative change of 23.47%. This indicates that the balance sheet and financial strength for Heartland Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Heartland Bank has increased its total deposits by $18.69 million, resulting in 11.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heartland Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heartland Bank has $208 million in assets with $30.94 million in equity, resulting in a capitalization level of 14.88%, which is excellent.

Institution Statistics

FDIC Certificate #28761
Year Established1933
Primary RegulatorFED
Assets and Liabilities
Assets$208.01 million
Loans$169.72 million
Deposits$179.08 million
Equity Capital$27.06 million
Loan Loss Allowance$3.88 million
Unbacked Noncurrent Loans$2.30 million
Real Estate Owned$1.79 million
Historic Data - December 2012
Assets$194.99 million
Equity Capital$27.83 million
Loan Loss Allowance$3.29 million
Unbacked Noncurrent Loans$2.30 million
Real Estate Owned$1.46 million
Profit Margin - Quarterly
Net Interest Margin7.11%
Return on Assets3.21%
Return on Equity23.07%
Interest Income$14.00 million
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Heartland Bank Savings Account Rates

4.00%-$1kJust-4-Kids Savings
0.10%--Just-4-Kids Savings
0.05%--Savings Plus Account

Heartland Bank Money Market Rates

1.16%$250k-Money Market Account
1.16%$250k-Business Money Market Account

Heartland Bank Checking Account Rates

3.00%-$15kPremium Interest Plus + Cash Back
2.00%-$15kAdvanced Interest Plus + Cash Back
0.70%$100k-Business Interest Account
0.10%--Preferred Plus Checking
0.05%--Advanced Interest Plus + Cash Back - Non Qualifying
0.05%--Premium Interest Plus + Cash Back - Non Qualifying

Heartland Bank Locations
Sheridan Branch108 South MainSheridan, AR 72150
Heartland Bank4937 Highway 5 NorthBryant, AR 72022
Little Rock Branch5100 KavanaughLittle Rock, AR 72207
Fordyce Branch610 West 4th StreetFordyce, AR 71742