Bank · FDIC insured
Heartland State Bank
A $75.6M bank headquartered in Edgeley, ND, with 2 branches in North Dakota. Best rates: CDs 3.79% and savings 0.50% APY.
Heartland State Bank Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#40 of 47 in North DakotaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heartland State Bank
Heartland State Bank operates branch locations in Edgeley and Kulm, North Dakota.
- Headquarters
- 401 Main St, Edgeley, ND 58433
- FDIC certificate
- 3919 ↗
Branches
2 branches in North Dakota
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North Dakota
2 branches
Edgeley area · 1
- Heartland State BankMain office401 Main St, Edgeley, ND 58433Directions
Kulm area · 1
- Kulm13 Main Ave N, Kulm, ND 58456Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.75% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 3.36% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.67% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $43 | $67 | — |
- CapitalLeverage ratio9.75%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent3.36%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$43Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heartland State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.