Heartland State Bank

Overview / Commentary
401 Main Street
Edgeley, ND 58433

Heartland State Bank is headquartered in Edgeley and is the 60th largest bank in the state of North Dakota. It is also the 4,600th largest bank in the nation. It was established in 1921 and as of December of 2019, it had grown to 12 employees at 2 locations. Heartland State Bank 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 - YTD0.98%
Return on Equity - YTD7.86%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$60.4MM$63.9MM
LoansQ4 2019vs Q4 2018$38.0MM$41.0MM
DepositsQ4 2019vs Q4 2018$51.8MM$53.7MM
Equity CapitalQ4 2019vs Q4 2018$7.7MM$7.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$434.00K$446.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.00K$317.00K
Real Estate OwnedQ4 2019vs Q4 2018$600.00K$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

0.60%--IRA Savings
0.01%--Statement Savings

Heartland State Bank Money Market Rates

0.20%*$200k*-Heartland Tiered MMDA
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.15% $100k - $200k

Heartland State Bank Checking Account Rates

0.00%--Super NOW

Heartland State Bank CD Rates

0.60%$500-36 Month Bump Rate CD
0.60%$50-Their Future CD
0.60%*$500*$10k5 Year CD
OTHER TIERS: 0.50% $10k+
0.60%*$10k*-30 Month CD
OTHER TIERS: 0.50% $500 - $10k
0.60%*$10k*-24 Month CD
OTHER TIERS: 0.50% $500 - $10k
0.40%*$10k*-18 Month CD
OTHER TIERS: 0.30% $500 - $10k
0.40%*$10k*-15 Month CD
OTHER TIERS: 0.30% $500 - $10k
0.40%*$10k*-12 Month CD
OTHER TIERS: 0.30% $500 - $10k
0.30%*$10k*-9 Month CD
OTHER TIERS: 0.20% $500 - $10k
0.30%*$10k*-6 Month CD
OTHER TIERS: 0.20% $500 - $10k
0.20%*$10k*-3 Month CD
OTHER TIERS: 0.15% $500 - $10k

Heartland State Bank IRA Rates

0.60%$100-12 Month IRA CD

Heartland State Bank Locations
Kulm State Bank13 Main Avenue NKulm, ND 58456
Heartland State Bank401 Main StreetEdgeley, ND 58433

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