Heartland State Bank is a bank based in Edgeley, North Dakota, established in 1921, with $78 million in total assets across 2 branches. By Trust Grade it ranks 53rd of 60 banks we track in North Dakota. Its capital ratio of 8.6% trails most similarly sized banks (15th percentile), versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 0.46% return on assets. No consumer complaints against Heartland State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heartland State Bank compares to North Dakota peers
How we graded Heartland State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Profitable (ROA 0.46%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heartland State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 13 Main Ave N, Kulm, ND 58456
- 401 Main St, Edgeley, ND 58433
Are deposits at Heartland State Bank insured?
Yes. Heartland State Bank is an FDIC-insured bank (FDIC certificate #3919). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heartland State Bank: frequently asked questions
Is Heartland State Bank a good bank?
Heartland State Bank earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Profitable (ROA 0.46%).
Is Heartland State Bank FDIC-insured?
Yes. Heartland State Bank is a FDIC-insured bank (FDIC certificate #3919). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Heartland State Bank?
Heartland State Bank holds $78 million in total assets, ranking 53rd of 60 banks we track in North Dakota. It operates 2 branches.
Does Heartland State Bank have CFPB complaints?
No CFPB complaints against Heartland State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
