Heartland National Bank

Heartland National Bank


Overview / Commentary
863-386-1300
320 U.S. Highway 27 N.
Sebring, FL 33870

Heartland National Bank is headquartered in SEBRING and is the 43rd largest bank in the state of Florida. It is also the 1,294th largest bank in the nation. It was established in 1999 and as of March of 2025, it had grown to 54 employees at 4 locations. Heartland National Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #35052
Year Established1999
Employees54
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD16.47%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$763.4MM$716MM
LoansQ1 2025vs Q1 2024$156.6MM$154.5MM
DepositsQ1 2025vs Q1 2024$667.4MM$640MM
Equity CapitalQ1 2025vs Q1 2024$69.1MM$55.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.6MM$2.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$313K$1.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


Heartland National Bank Locations
Heartland National Bank320 Us Highway 27 NSebring, FL 33870
North Sebring Branch5033 U S Hwy 27 NSebring, FL 33870
Heartland Branch600 U.S. Highway 27 NorthLake Placid, FL 33852
Avon Park Branch800 West Main StreetAvon Park, FL 33825

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