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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 3,030th largest bank in the nation. It was established in 1933 and as of March of 2014, it had grown to 39 employees at 4 locations. Heartland Bank's savings rates are 8X the national average, and it has a A health rating.

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Reviews (2)

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.

Raised Requirements.

When they changed the monthly requirements to 25 charges / month , I moved my money. Keeping a small balance and will make deposit and charge every 5 months to keep it from going dormant. They were very nice people and I would have stayed with them forever. Never any problems. It's a 5 star if you don't mind doing 25 charges / month. It's a 1 star if you didn't want to change. So based purely on the monthly requirements, I will give them a 1 star for now. Hoping they will offer a better deal in the future.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Heartland Bank had $3.85 million in non-current loans and owned real-estate with $36.65 million in equity and loan loss allowances on hand to cover it. This gives Heartland Bank a Texas Ratio of 10.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Heartland Bank decreased slightly from 14.63% as of March 31, 2013 to 10.49% as of March 31, 2014, resulting in a positive change of 28.28%.This indicates that the balance sheet and financial strength for Heartland Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Heartland Bank has increased its total deposits by $8 million, resulting in 4.99% 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 $203.03 million in assets with $36.65 million in equity, resulting in a capitalization level of 18.05%, which is excellent.

Institution Statistics

FDIC Certificate #28761
Year Established1933
Primary RegulatorFED
Assets and Liabilities
Assets$203.03 million
Loans$150.12 million
Deposits$168.22 million
Equity Capital$32.52 million
Loan Loss Allowance$4.13 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$897,000
Historic Data - March 2013
Assets$194.36 million
Equity Capital$28.19 million
Loan Loss Allowance$3.50 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$1.30 million
Profit Margin - Quarterly
Return on Assets3.32%
Return on Equity22.88%
Interest Income$3.40 million
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Heartland Bank Savings Account Rates

4.00%-$1kJust 4 Kids Account - Qualifying
0.10%--Just 4 Kids Account - Non Qualifying
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 - Qualifying
2.00%-$15kAdvanced Interest Plus + Cash Back - Qualifying
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