Heartland Financial USA Balance Sheet Health
Financial Health criteria checks 6/6
Heartland Financial USA has total assets of $18.3B and total equity of $2.1B. Total deposits are $15.0B, and total loans are $11.3B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $665.4M.
Key information
8.5x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$14.95b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$665.41m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HTLF.P's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: HTLF.P has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 93% of HTLF.P's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTLF.P has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: HTLF.P's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: HTLF.P has an appropriate level of bad loans (0.6%).