Heartland State Bank

Overview / Commentary
401 Main Street
Edgeley, ND 58433-0068

Heartland State Bank is headquartered in Edgeley and is the 54th largest bank in the state of North Dakota. It is also the 4,255th largest bank in the nation. It was established in 1921 and as of June of 2022, it had grown to 11 employees at 2 locations. Heartland State Bank's CD rates are 3X the national average, and it has a B+ health rating.

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Heartland State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #3919
Year Established1921
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.71%
Annual Interest Income$996.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$74.9MM$69.4MM
LoansQ2 2022vs Q2 2021$34.7MM$38.7MM
DepositsQ2 2022vs Q2 2021$68.4MM$61.0MM
Equity CapitalQ2 2022vs Q2 2021$6.2MM$8.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$458.00K$458.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$0$0
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Heartland State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland State Bank Savings Account Rates

1.75%--IRA Savings
0.15%--Statement Savings

Heartland State Bank Money Market Rates

0.80%*$100k*-Heartland Tiered MMDA
OTHER TIERS: 0.20% Up to $2.5k | 0.40% $2.5k - $25k | 0.60% $25k - $100k

Heartland State Bank Checking Account Rates

0.20%--Super NOW

Heartland State Bank CD Rates

3.00%*$10k*-12 Month CD
OTHER TIERS: 2.90% $500 - $10k
2.52%*$10k*-18 Month CD
OTHER TIERS: 2.41% $500 - $10k
2.00%$500-36 Month Bump Rate CD
2.00%*$10k*-5 Year CD
OTHER TIERS: 1.90% $500 - $10k
2.00%*$10k*-24 Month CD
OTHER TIERS: 1.90% $500 - $10k
2.00%*$10k*-9 Month CD
OTHER TIERS: 1.90% $500 - $10k
1.76%*$10k*-30 Month CD
OTHER TIERS: 1.66% $500 - $10k
1.75%$50-Their Future CD
1.50%*$10k*-6 Month CD
OTHER TIERS: 1.40% $500 - $10k
1.00%*$10k*-3 Month CD
OTHER TIERS: 0.90% $500 - $10k
0.00%$500-15 Month CD

Heartland State Bank IRA Rates

1.75%$100-12 Month IRA CD

Heartland State Bank Locations
Kulm State Bank13 North Main AvenueKulm, ND 58456
Heartland State Bank401 Main StEdgeley, ND 58433

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