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This institution is no longer active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

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

4

Branch Deposits

$685M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416458.54%20.12%
202320858.65%22.60%
202222062.27%16.36%
202132257.76%19.25%
202039762.47%21.41%
201934663.58%16.76%
201834759.94%18.44%

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

5 previous ratings locked — dating 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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