Heartland National Bank is headquartered in Sebring and is the 50th largest bank in the state of Florida. It is also the 1,729th largest bank in the nation. It was established in 1999 and as of December of 2019, it had grown to 60 employees at 4 locations. Heartland National Bank has an A+ health rating.
We found out our local Wells Fargo branch was closing and the nearest one was 13.5 miles up the road. We decided to give Heartland a try as we heard they had a drive up ATM and the bank was local to our county only. We set up checking and savings accounts. The customer service was great. We were given two coffee mugs, four pens, and a cubed writing pad. We got nothing from Wells when we signed up. The only area where they need improvement is their online banking set up and money transfers to other banks. We have a direct deposit into this account each month from our bank up North. However, I can't transfer money from the Heartland account to the other bank. Wells Fargo could. That was a bit disappointing. Also, their online setup was a bit confusing. You have to wait until you receive a letter before setting up the online banking.
| Overall | |
|---|---|
| FDIC Certificate # | 35052 |
| Year Established | 1999 |
| Employees | 60 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.28% |
| Return on Equity - YTD | 13.6% |
| Annual Interest Income | $13.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $411.3MM$380.3MM |
| Loans | Q4 2019vs Q4 2018 | $162.0MM$159.3MM |
| Deposits | Q4 2019vs Q4 2018 | $361.9MM$334.9MM |
| Equity Capital | Q4 2019vs Q4 2018 | $39.2MM$35.1MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $2.4MM$2.3MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $163.00K$218.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$42.00K |
Sorry, we do not have rate data for Heartland National Bank.
| Heartland National Bank Locations | ||
|---|---|---|
| Heartland National Bank | 320 U.S. Highway 27 North | Sebring, FL 33870 |
| North Sebring Branch | 5033 U S Hwy 27 N | Sebring, FL 33870 |
| Heartland Branch | 600 U.S. Highway 27 North | Lake Placid, FL 33852 |
| Avon Park Branch | 800 West Main Street | Avon Park, FL 33825 |