Heartland National Bank Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.heartlandnb.com

863-386-1300

320 U.S. Highway 27 N.
Sebring, FL 33870

Heartland National Bank is headquartered in SEBRING and is the 43^rd largest bank in the state of Florida. It is also the 1,294^th 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

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	35052
Year Established	1999
Employees	54
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.48%
Return on Equity - YTD	16.47%
Annual Interest Income	$8.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$763.4MM$716MM
Loans	Q1 2025vs Q1 2024	$156.6MM$154.5MM
Deposits	Q1 2025vs Q1 2024	$667.4MM$640MM
Equity Capital	Q1 2025vs Q1 2024	$69.1MM$55.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.6MM$2.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$313K$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Heartland National Bank.

Locations

Heartland National Bank Locations
Heartland National Bank	320 Us Highway 27 N	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

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