Heartland State Bank

TODAY'S FEATURED RATES

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

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

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

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

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.heartlandstatebank.com

701-493-2817

401 Main Street
Edgeley, ND 58433-0068

Heartland State Bank is headquartered in EDGELEY and is the 53^rd largest bank in the state of North Dakota. It is also the 4,064^th largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 11 employees at 2 locations. Heartland State Bank's CD rates are 4X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

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

Overall
FDIC Certificate #	3919
Year Established	1921
Employees	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	5.74%
Annual Interest Income	$824K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$70.4MM$65.4MM
Loans	Q1 2025vs Q1 2024	$33.7MM$34.1MM
Deposits	Q1 2025vs Q1 2024	$63.8MM$59.1MM
Equity Capital	Q1 2025vs Q1 2024	$6.1MM$5.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$451K$451K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$948K$995K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

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

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

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

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Statement Savings

Heartland State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.76%^*	$200k^*	-	Heartland Tiered MMDA
OTHER TIERS: 0.20% → $0 - $2.5k \| 0.50% → $2.5k - $10k \| 0.75% → $10k - $25k \| 1.00% → $25k - $50k \| 1.26% → $50k - $100k \| 1.51% → $100k - $200k

Heartland State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Super NOW
0.10%	$0	-	NOW

Heartland State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.04%^*	$10k^*	-	6 Month CD
OTHER TIERS: 3.94% → $500 - $10k
3.75%^*	$10k^*	-	12 Month CD
OTHER TIERS: 3.65% → $500 - $10k
3.55%^*	$10k^*	-	3 Month CD
OTHER TIERS: 3.44% → $500 - $10k
3.53%^*	$10k^*	-	18 Month CD
OTHER TIERS: 3.43% → $500 - $10k
3.26%^*	$10k^*	-	9 Month CD
OTHER TIERS: 3.16% → $500 - $10k
3.25%^*	$10k^*	-	24 Month CD
OTHER TIERS: 3.15% → $500 - $10k
3.02%	$50	-	Their Future CD
3.02%^*	$10k^*	-	30 Month CD
OTHER TIERS: 2.92% → $500 - $10k
3.00%	$500	-	36 Month Bump Rate CD
3.00%^*	$10k^*	-	5 Year CD
OTHER TIERS: 2.90% → $500 - $10k

Heartland State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%	$0	-	IRA Savings
3.00%	$100	-	12 Month IRA CD

Locations

Heartland State Bank Locations
Kulm State Bank	13 North Main Avenue	Kulm, ND 58456
Heartland State Bank	401 Main St	Edgeley, ND 58433

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