Heartland Financial USA Balance Sheet Health
Financial Health criteria checks 6/6
Heartland Financial USA has total assets of $19.1B and total equity of $2.0B. Total deposits are $15.3B, and total loans are $11.5B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $445.6M.
Key information
9.7x
Asset to equity ratio
3.3%
Net interest margin
Total deposits | US$15.30b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.8% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$445.61m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1H4's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: 1H4 has a sufficient allowance for bad loans (130%).
Low Risk Liabilities: 89% of 1H4's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1H4 has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: 1H4's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: 1H4 has an appropriate level of bad loans (0.8%).