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401 Main Street
Edgeley, ND 58433

Heartland State Bank is headquartered in Edgeley and is the 59th largest bank in the state of North Dakota. It is also the 4,981st largest bank in the nation. It was established in 1921 and as of December of 2017, it had grown to 12 employees at 2 locations. Heartland State Bank's money market rates are 2X 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 - YTD0.69%
Return on Equity - YTD5.76%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$59.6MM$64.6MM
LoansQ4 2017vs Q4 2016$40.5MM$40.6MM
DepositsQ4 2017vs Q4 2016$50.5MM$55.4MM
Equity CapitalQ4 2017vs Q4 2016$7.3MM$7.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$434.00K$410.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$313.00K$750.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* 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

1.25%--IRA Savings
0.25%--Statement Savings

Heartland State Bank Money Market Rates

1.05%*$200k*-Heartland Tiered MMDA
OTHER TIERS: 0.05% Up to $2,500 | 0.45% $2,500 - $10k | 0.55% $10k - $25k | 0.65% $25k - $50k | 0.90% $50k - $100k | 0.95% $100k - $200k
0.55%--Traditional Money Market

Heartland State Bank Checking Account Rates

0.05%--Super NOW

Heartland State Bank CD Rates

1.80%*$10k*-5 Year CD
OTHER TIERS: 1.70% Up to $10k
1.50%--36 Month Bump Rate CD
1.25%--Their Future CD
1.25%*$10k*-9 Months CD
OTHER TIERS: 1.15% Up to $10k
1.20%*$10k*-30 Month CD
OTHER TIERS: 1.10% Up to $10k
1.05%*$10k*-24 Month CD
OTHER TIERS: 0.95% Up to $10k
0.95%*$10k*-18 Month CD
OTHER TIERS: 0.85% Up to $10k
0.85%*$10k*-15 Month CD
OTHER TIERS: 0.75% Up to $10k
0.85%*$10k*-12 Month CD
OTHER TIERS: 0.75% Up to $10k
0.55%*$10k*-6 Month CD
OTHER TIERS: 0.45% Up to $10k
0.30%*$10k*-3 Month CD
OTHER TIERS: 0.25% Up to $10k

Heartland State Bank IRA Rates

1.25%--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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