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Overview / Commentary
320 U.S. Highway 27 North
Sebring, FL 33870

Heartland National Bank is headquartered in Sebring and is the 64th largest bank in the state of Florida. It is also the 1,853rd largest bank in the nation. It was established in 1999 and as of December of 2017, it had grown to 58 employees at 4 locations. Heartland National Bank has an A health rating.

Reviews (1)

Wells Fargo branch closed - needed another local bank

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.


Health Grade Components

FDIC Certificate #35052
Year Established1999
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.95%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$374.4MM$345.3MM
LoansQ4 2017vs Q4 2016$156.2MM$161.3MM
DepositsQ4 2017vs Q4 2016$336.5MM$309.5MM
Equity CapitalQ4 2017vs Q4 2016$33.1MM$31.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.3MM$3.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$156.00K$3.0MM
Real Estate OwnedQ4 2017vs Q4 2016$56.00K$1.1MM

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Heartland National Bank Locations
Heartland National Bank320 U.S. Highway 27 NorthSebring, 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