This institution is no longer active

Operations ceased on July 11, 2025. CRA examination history below reflects the period it was active.

HEARTLAND NATIONAL BANK

SEBRING, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1999FDIC #35,052

Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

HEARTLAND NATIONAL BANK holds a Satisfactory CRA rating (2023).

Institution Profile

FDIC BankFind

Address

320 Us Highway 27 N, SEBRING, FL

County

Highlands County

Established

September 7, 1999

Total Assets

$785M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 16, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Nov 2027(based on asset size)

Download Evaluation Report (PDF)

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$685M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	164	58.54%	20.12%
2023	208	58.65%	22.60%
2022	220	62.27%	16.36%
2021	322	57.76%	19.25%
2020	397	62.47%	21.41%
2019	346	63.58%	16.76%
2018	347	59.94%	18.44%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2023	Satisfactory	Intermediate Small Bank
Sep 2020	Satisfactory	Intermediate Small Bank
Aug 2017	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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