Heartland Bank is an FDIC insured institution headquartered at
430 N Hamilton Rd, Whitehall, OH 43213.
It was founded in
1911 and has approximately $2 billion in
assets. Customers can open an account at one of its 23 branches.
Flexible terms, redraw up to 100%, borrow $20k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
Public Note:
Heartland Bank is a community bank serving clients in Central OH and the Greater Cincinnati region. Offering personal checking and savings accounts, business banking accounts, mortgage and loan services, lending solutions, and financial planning through Heartland Planning Associates, Heartland Bank strives to meet the needs of individual, commercial, and small business clients. With competitive rates and access to 40,000+ surcharge-free ATMs and mobile banking, Heartland’s clients enjoy financial flexibility with exceptional customer service to complement the 20 full-service branch locations.
September 21, 2023
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 9443
Date Established
1911
Assets
$ 1,915.84 million
Loans
$ 1,534.20 million
Deposits
$ 1,656.90 million
Capital
$ 181.00 million
Summary Balance Sheet as of March 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 45.39 million
Interest-bearing balances
$ 31.39 million
Total securities
$ 233.27 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 1,534.20 million
Loan loss allowance
$ 17.81 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 14.94 million
All other assets
$ 42.14 million
Total Assets
$ 1,734.84 million
LIABILITIES
Total deposits
$ 1,656.90 million
Interest-bearing deposits
$ 1,238.63 million
Deposits held in domestic offices
$ 1,656.90 million
% insured (estimated)
66.27%
Federal funds purchased and repurchase agreements
$ 6.30 million
Trading liabilities
N.A.
Other borrowed funds
$ 7.00 million
Subordinated debt
N.A.
All other liabilities
$ 8.75 millionn
Total Liabilities
$ 1,734.84 million
Shareholders’ Equity
$ 181.00 million
Summary Income Statement as of March 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 51.70 million
Total Interest Expense
$ 21.54 million
Net interest income
$ 30.15 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 5.63 million
Total non interest expense
$ 22.28 million
Pre-tax Net Operating Income
$ 10.72 million
Heartland Bank's History
Heartland Bank, rooted in Croton, Ohio, began as Croton Bank, serving local farmers. Tiney M. McComb transformed it into Heartland Bank in 1988 and led as President for nearly 20 years. His son, Gregory Scott McComb, took over as CEO in 2009 and later became Chairman. Heartland Bank expanded with branches in Pickerington (2015), Hilliard (2016), Clintonville (2017), Whitehall (2018), Upper Arlington (2019), and Delaware (2023). They also built a 60,000-square-foot Corporate Center in Whitehall in 2018. In April 2020, Heartland Bank acquired Victory Community Bank, expanding into Northern Kentucky and Greater Cincinnati, with its first Cincinnati branch opening in Kenwood in December 2022.
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