🏦Bank Scorer

HEARTLAND STATE BANK

REDFIELD, SD · Supervised by FDIC

Est. 1909FDIC #9,007RSSD: FDIC-9007
Part ofWESSINGTON BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.20%

Institution Profile

FDIC BankFind

Address

302 E 7th Ave, REDFIELD, SD

County

Spink County

Established

January 1, 1909

Total Assets

$156M(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

August 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2030(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$156M

Total Deposits

$135M

Net Loans

$117M

Net Income

$856K

ROA

2.20%

ROE

24.39%

Risk-Based Capital

11.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.94%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$123M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202420381.77%3.94%
202318286.81%7.14%
202230088.33%6.00%
202151492.8%2.53%
202066489.76%4.52%
201942986.48%6.29%
201834086.47%6.18%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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