After 20 Years of Service, we thank and honor
Executive Vice President and Chief Financial Officer, George R. Smith,
for his dedication, leadership and wisdom.
Good luck in your upcoming retirement!
2014
Annual Report
Heartland BancCorp
Parent Company of Heartland Bank
A message from the
President
G. Scott McComb
April 2, 2015
Dear Fellow Shareholders,
Great teams win together!
I am pleased to report that 2014 was another banner year for Heartland
BancCorp as assets, profitability, our branch system, and dividends all
grew. We continue to tell the Heartland Story and garner support of
yOur communities through the promotion of HLAN BancCorp stock
as an investment in the local capital. Our local economy continues to
grow following job creation and the natural benefits found in the great
state of Ohio. We continued growth of our team of community bankers
from within and are gaining national and local accolades for our results.
This year we honor and thank George Smith for his dedication and loyal
service to our company as he enters retirement.
The central Ohio economy has continued to expand through
revitalization, the creation of new jobs, a bustling service economy, and
the continued success of the region. Retaining more of Ohio’s young
adults has led to expansion of businesses inside the city’s core, sparking
growth in formerly underdeveloped areas of town. The addition of jobs
in the shale oil and natural gas industries in eastern Ohio has produced
increased cash flow for residents who in turn make Columbus’ economy
thrive. Logistics activities and the Fortune 1000 companies in the
area have had another good year boding well for the local economy.
This creates an environment for growth and opportunity to cultivate
relationships, which we have been successful in capitalizing on this
year. Asset growth of 18%, profit growth of 13%, deposit growth of
9% and dividend growth of 5% made for a great year. The bank also
continued its branch expansion with the establishment of a facility in
Pickerington which opened in early 2015. More financial information
and performance ratios can be found on the next page.
Even a third string quarterback can be a superstar when you surround
him with talent - just ask anyone in the nation after our Buckeyes’
performance in the National Championship game last year. Our team’s
continued ability to grow talent from within is paying dividends
while retaining and growing customers. Heartland was honored to be
recognized as one of “Central Ohio’s Best Places to Work” by Columbus
Business First Magazine. We also continued a four year presence in the
nation’s Top 200 Community Banks and Thrifts List by American Banker
Magazine, coming in at #86.
Our bankers call it the “Heartland Way” and strive hard to hold one
another accountable for quality and excellence in their daily duties.
Our people are our core strength and working together, they are a very
effective community bank team. Each knows their role, that we are in
this together, that together we all achieve more, and our clients and
shareholders come first.
Until now, the bank’s Founder, Tiney M. McComb, has been the only
person featured on the cover of this annual report. I thought it very
appropriate to honor George R. Smith on the cover of this 2014 Annual
Report as he enters retirement after 20 years of service to Heartland
Bank. All those years ago, Tiney needed a partner he could count on to
lead the entire operations and accounting areas of the bank. He needed
someone who would work hard and selflessly serve the shareholders,
manage risk and costs, as well as provide the analytical counterpart to
complement Tiney’s sales, growth and marketing acumen. George has
served us with an impeccable record of accuracy and professionalism,
a revered style of diplomacy and tact, and compassion for his team. On
behalf of Heartland Bank and Heartland BancCorp, thank you George
and Lynne Smith.
As our Buckeyes have taught us, we can lose a key player and still be
on top if the team believes in itself and acts in concert as one. Next
community banker up.
Thank you for investing in yOur community and for your continued
patronage and support.
Sincerely,
G. Scott McComb
Chairman, President and CEO
THE YEAR IN REVIEW
75%
Deposit Growth in
Downtown Market
2014 Best
Places to Work List
by Columbus Business First Magazine
Commercial
Loan Production
#86 on 2014 Top 200
Community Banks &
Thrifts List
State of Ohio
Ranking
#5
SBA Production List
504 & 7A Loans
Opened second satellite
office at Worthington
Christian Village
Launched Mobile
Deposit
Make Deposits Anytime.
Anywhere.
Sign. Snap. Deposit from any mobile
phone.
Named
#2Fastest Growing Bank
(year over year by Deposit Growth Percentage)
by Columbus Business
First Magazine
Bauer 5-Star
Superior Rating
Highest ranking for financial
strength and security.
SBA 504 Bank
of the Year
Economic
Development
For Fiscal Year 2014
for their support of Small
Business Lending and the U.S.
SBA 504 Loan program
CCDC
Community
Capital
Development
Corporation
$140 M
$120 M
$100 M
$80 M
$60 M
$40 M
$20 M
2012
2013
2014
Downtown
Branch
Relocation
101 South High Street
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2014 FINANCIAL REVIEW
This past year marked an unequaled period of
operations in which Heartland BancCorp earned
near record levels of net income and earnings per
common share. Net income for the year increased
17% to $6.1 million or $3.87 per diluted share, an
increase of $.53 or 16% from $3.34 per share in the
prior year. Return on average assets and average
equity were .99% and 10.57% respectively for
the year and compare to .91% and 9.54% for the
prior year. The improved operating results were
further driven by continued improvement in asset
quality, resulting in the reduction of the loan loss
provision expense by $715 thousand, down 36%
compared to the previous year. The year ended
with strong liquidity and exceeded all levels of
regulatory capital requirements. Capital levels
were further strengthened during 2014 as the
result of these higher earnings.
Overview of Operations:
Net interest income (before provision for loan
loss) for the year ended December 31, 2014 was
$22.8 million, up 10% or $2.1 million compared
to 2013. Interest income of $25.7 million for
2014 increased $1.8 million or 8% while interest
expense on deposits and borrowings declined
$249 thousand or 8% in 2014 compared to
2013. The 8% decline in interest expense in
2014, compared to 2013, results from changing
our deposit mix to a higher level of transaction
accounts, resulting in lower cost deposits coupled
with favorable deposit pricing in a lower sustained
interest rate environment, reducing both deposit
and borrowing costs. The expectation of an
improving economy and continuing lower level
of non-accrual loans, combined with the need to
establish reserves for loan growth, led Heartland
Bank to record a provision for loan loss of $1.3
million in 2014. The addition to our allowance
for loan loss, less $581 thousand of net loan
charge-offs, resulted in a net increase of $674
thousand to the allowance which ended the year
at $5.4 million. The allowance as a percent of
loans outstanding was 1.07% at the end of 2014
representing a decline of 4% from 1.11% at the
end of 2013. Net interest income after provision
for loan loss totaled $21.6 million, up $2.8 million
or 15% in 2014 compared to 2013 as a result of
the combined factors noted above.
Noninterest income of $3.1 million for 2014
declined $541 thousand or 15% compared to
2013. The lower level of non-interest income in
2014 was due primarily to net gains realized on
the sale of available-for-sale investment securities
from the Bank’s investment portfolio totaling
$687 thousand in 2013, which was $550 thousand
higher than gains from the sales of securities of
$137 thousand in 2014.
Noninterest expense was $16.3 million for 2014,
up $752 thousand or 5% over non-interest
expense of $15.6 million in the prior year. Total
salary and employee benefit expense increased
$937 thousand or 11.2% in 2014 compared to
2013. The higher employee related expense
increased staffing
was due substantially to
in the lending area supporting the 18% total
loan growth in 2014. State of Ohio Financial
Institutions taxes totaling $373 thousand in 2014
declined $246 thousand or 40% reflecting the
change from the former State of Ohio Franchise
taxes which totaled $620 thousand in 2013. FDIC
insurance premiums declined $137 thousand
or 29% reflecting improved loan quality in 2014
versus 2013.
Financial Condition:
Total assets outstanding increased significantly
during 2014, ending the year at $649.7 million,
up $69.3 million or 12% over December 31, 2013
assets of $580.4 million. Net Loans outstanding
as of December 31, 2014 were $498.6 million
up $75.7 million or 18% from $423.0 million at
loans
December 31, 2013. Total Commercial
increased $74.6 million, up 24% as of December
31, 2014. Commercial (non-real estate) loans
totaled $45.7 million, up 16%, while commercial
real estate loans of $333.4 million increased
26% during 2014. Retail loans outstanding at
December 31, 2014 totaled $124.9 million, an
increase of 2% over 2013. Residential real estate
loans of $91.1 million at December 31, 2013 grew
3% during 2014 compared to growth of $11.2
million or 11% in 2013 reflecting a lower level of
refinance activity in 2014 compared to 2013.
Overall asset quality continued to improve during
2014 with non-performing assets declining to
.82%, down 48 basis points from 1.30% as of
December 31, 2013.
Heartland funds earning asset growth through
its branch network’s ability to generate deposit
relationships, while borrowings have historically
been maintained at insignificant levels. Total
deposits at December 31, 2014 were $556.2
million, up 13% from $490.8 million at December
31, 2013. A key element of Heartland’s deposit
strategy continues to be focused on growing
commercial and retail transaction accounts while
continuing to reduce our dependence on public
funds and larger non-core certificate of deposit
accounts.
Shareholders’ Equity:
Total shareholders’ equity remained strong,
growing 12% to $60.7 million from $54.2 million
at year-end 2013. Based upon shares outstanding,
the book value of Shareholders’ equity increased
12% from $35.00 at year-end 2013 to $39.05 per
share at December 31, 2014. Among the financial
strengths of Heartland BancCorp is its capital
position, which exceeds regulatory guidelines and
compares favorably to our peers and other Ohio
based banks. Tier 1 leverage, Tier 1 risk based and
Total risk based capital ratios were 9.11%, 12.71%,
and 13.86% respectively as of December 31, 2014.
Regulatory requirements for a “well-capitalized
bank” are 5%, 6%, and 10% for Tier 1 leverage;
Tier 1 risk based and Total risk based capital ratios
respectively. In 2014, Heartland BancCorp paid a
dividend of $1.40 per share, representing a yield
of 3.60% on the weighted average market price of
$38.93 per share for 2014. Dividends paid resulted
in a dividend payout ratio of 36.21% for 2014.
Heartland BancCorp
Consolidated Balance Sheets
December 31, 2014 and 2013
Heartland BancCorp
Consolidated Statements of Income
Years Ended December 31, 2014 and 2013
Assets
Cash and cash equivalents
Available-for-sale securities
Held-to-maturity securities, fair value
$6,914,217 and $6,928,702 at December 31, 2014
and 2013, respectively
Loans, net of allowance for loan losses of
$5,350,637 and $4,676,231 at December 31, 2014
and 2013, respectively
Premises and equipment
Nonmarketable equity securities
Foreclosed assets held for sale
Interest receivable
Goodwill
Deferred income taxes
Other
Total assets
Liabilities and Shareholders’ Equity
Liabilities
Deposits
Demand
2014
2013
Interest Income
$ 22,561,068
$ 15,943,266
101,479,692
112,421,722
Loans
Securities
Taxable
Tax-exempt
6,454,963
6,626,777
Other
498,585,125
422,967,223
12,653,144
11,969,597
2,655,439
108,082
1,803,108
417,353
1,881,258
1,083,056
1,889,950
1,616,294
1,807,632
417,353
2,600,821
2,097,943
$ 649,682,288
$ 580,358,578
Total interest income
Interest Expense
Deposits
Borrowings
Total interest expense
Net Interest Income
Provision for Loan Losses
Net Interest Income After Provision for Loan Losses
Noninterest income
Service charges
Net Gains and commissions on loan sales
Net realized gains on sales of available-for-sale securities
Net realized gain/(loss) on sales of foreclosed assets
$ 108,394,566
$ 82,076,014
Other
2014
2013
$ 22,767,132
$ 20,600,599
1,256,494
1,626,882
47,837
1,454,271
1,792,899
42,375
25,698,345
23,890,144
2,834,757
2,868,355
16,601
232,171
2,851,358
3,100,526
22,846,987
1,255,000
21,591,987
20,789,618
1,970,000
18,819,618
1,980,529
1,949,909
121,695
136,701
209,901
657,126
70,045
687,248
(29,129)
968,914
Saving, NOW and money market
203,367,315
188,825,641
Total noninterest income
3,105,952
3,646,987
Time
Total deposits
Short-term borrowings
Interest payable and other liabilities
Total liabilities
244,394,645
219,921,798
556,156,526
490,823,453
28,395,316
4,421,322
31,136,220
4,152,059
588,973,164
526,111,732
Shareholders’ Equity
Common stock, without par value; authorized
5,000,000 shares; issued 2014 - 1,554,457
shares, 2013 - 1,549,922 shares
Retained earnings
Accumulated other comprehensive income (expense)
Total shareholders’ equity
23,558,806
36,160,565
989,753
60,709,124
23,355,806
32,287,838
(1,396,798)
54,246,846
Total liabilities and shareholders’ equity
$ 649,682,288
$ 580,358,578
Book value per share
$
39.05
$
35.00
Noninterest Expense
Salaries and employee benefits
Net occupancy and equipment expense
Data processing fees
Professional fees
Marketing expense
Printing and office supplies
State financial institution tax
FDIC Insurance premiums
Other
Total noninterest expense
Income before Income Tax
Provision for Income Taxes
Net Income
Basic Earnings Per Share
Diluted Earnings Per Share
9,294,269
1,706,778
1,018,464
772,812
598,036
165,248
373,224
342,089
2,060,441
16,331,361
8,366,578
2,285,364
$ 6,081,214
$
$
3.92
3.87
8,357,754
1,780,983
926,392
785,666
346,260
161,958
619,566
478,982
2,121,609
15,579,170
6,887,435
1,671,275
$ 5,216,160
$
$
3.38
3.34
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TAKING STOCK IN HEARTLAND
When you buy shares in Heartland BancCorp, you’re supporting an entire community and a trusted institution that shares your values of hard work,
personal commitment, community support and sound financial practices.
KEEPING YOUR COMMUNITY SMILING
Joyce Strong
Joyce Strong Ministries
“I opened my ministry account at Heartland Bank as soon as we moved here in 2000. Heartland immediately
became my ‘banking family’. The bank is not only a respectful and professional business partner, but a good
friend. Banking at Heartland is hassle-free! The staff members at the Gahanna branch sort out the foreign wires
I have to send to support the orphanage in Kenya as well as pay for book translations and printing in Africa and
Russia. Even though my ministry is small, Heartland places high value on me and my needs as a client. I could not
ask for a more pleasant, professional and personal place to do my banking!”
Invest in
yOur
community.
Heartland BancCorp
Total Return Performance
Heartland BancCorp
Total Return Performance
Heartland BancCorp
SNL Bank Pink >$500 M
SNL Midwest Bank
275
250
225
200
175
150
125
100
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12/2010
12/2011
12/2012
12/2013
12/2014
This graph depicts the yearly percentage change in Heartland BancCorp’s cumulative total
shareholder return against the cumulative return of the SNL Bank Pink Sheet index of
banking institutions over $500 million in total assets and the SNL Midwest Bank index over
the last 5-year fiscal periods. Calculations include the reinvestment of dividends and are
indexed to the base year measurement point (closing price on the last trading day before the
beginning of the registrant’s fifth preceding fiscal year).
Heartland BancCorp
SNL Bank Pink >$500 M
SNL Midwest Bank
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200
175
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12/2011
12/2012
12/2013
12/2014
This graph depicts the yearly percentage change in Heartland BancCorp’s cumulative total
shareholder return against the cumulative return of the SNL Bank Pink Sheet index of
banking institutions over $500 million in total assets and the SNL Midwest Bank index over
the last 5-year fiscal periods. Calculations include the reinvestment of dividends and are
indexed to the base year measurement point (closing price on the last trading day before the
beginning of the registrant’s fifth preceding fiscal year).
HLAN
Heartland BancCorp is currently quoted on the-over-the-counter (OTC) Bulletin Board Service under the symbol HLAN.
INTERESTED
IN BECOMING
A SHARE-
HOLDER?
To learn more about Heartland BancCorp shares, please contact one of the following:
• Scott McComb, Chairman, President and CEO of Heartland Bank or
Jennifer Eckert, Vice President, Compliance Officer and Corporate Secretary (614) 337-4600
• Your Financial Advisor
• Heartland Investment Services (614) 839-2265
HEARTLAND BANCCORP
Visit us online at ir.HeartlandBank.com
Statements made are a reflection of past performance of the bank and holding company and should not be considered a projection of future performance. Investments involve varying degrees of risk, including
possible loss of principal. Funds held in corporate stock are not considered a deposit of the bank or bank holding company, not guaranteed by the bank or holding company and are not insured by the FDIC or any
government agency and may lose value.
Claudia Foss
District Manager at
Arbonne International
Eric Bean
Owner and Brewmaster
Columbus Brewing Company
Tom P. Halliday, DVM
Owner of Animal Care Center
at Cherry Way
Mark Ruff
Owner
Ruff Farms in Circleville
“Heartland Bank was the
perfect choice for us! Unlike
the national banks we’ve used
before, Heartland has a quicker
response time and we’ve become
dependent on the personal
relationships we’ve developed
with many of their employees
and even with the President of
the bank, Scott McComb. We
also like the fact that Heartland
Bank was founded on a rural
infrastructure and has a grass-
roots community feel.”
“We had a vision for the future
of our company, but no plan.
Heartland Bank helped us
realize what was possible and
then worked with us to make it
happen. Heartland is not just our
bank, they are our partners!”
“I financed my practice
through Heartland Bank.
Their competitive rates and
terms, along with the excellent
customer service, have allowed
me to grow and improve my
practice with the confidence
that they are looking after my
interests.”
“One of the things that I am very
impressed with is the high level
of service and products that
are available, like that of a large
bank, but Heartland has the feel
of a small-town community bank
with its personable, helpful, and
courteous staff. The people of
Heartland make you feel good
about banking there.”
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Columbus Crew SC
Partnership
Successful launch of Crew SC branded
debit and credit card programs
Cheer on the Crew MasterCard
promotion with $5,000 prize awarded
at final match of Crew SC season
Partner Activation of the Year Award
Endorsement with Crew SC Midfielder
Wil Trapp #20, Heartland’s inaugural
professional spokesperson
CONNECTING WITH OUR COMMUNITIES
Heartland Bank Sponsored Events
A Tradition of Giving
Grove City Arts in the Alley
CD102.5 For The Kids
Hartford Fair
Columbus Crew Soccer Foundation
Pelotonia
Relay For Life
Johnstown Fireman’s Festival
Croton Church of Christ Food Pantry
Reynoldsburg Helping Hands Food Pantry
North Market’s Craft Brew Festival
Reynoldsburg Tomato Festival
Summer Jam at Westgate Park
Dublin Food Pantry
Faith Mission
Schilling Family Fundraiser for Juvenile Diabetes
St. Matthews Catholic Church - Gahanna
Foundation for Appalachian Ohio
Steps for Sarcoma
Westerville Music & Arts Festival
Freedom School, Croton
Susan G Komen Race For The Cure
Employee Initiatives
104.9 The River’s Mission Backpack
Gahanna Residents in Need (G.R.I.N.)
The Open Shelter
Grove City Food Pantry Emergency Services, Inc.
UNCF Walk for Education
Johnstown Food Pantry
United Way of Central Ohio
17th annual Heartland Bank Charity Golf Classic
Licking County Animal Shelter
Girl Scouts Financial Literacy
Johnstown Monroe’s Searfoss Elementary School
4th grade Financial Literacy
8th Annual Money Matters Free Financial Summit
Tiney’s Team Pelotonia ride for cancer research
Silent Auction at annual Holiday Party to benefit
local food banks and non-profits
LifeTown Lessons for Life
Lutheran Social Services Food Pantry
March of Dimes - March for Babies
Masonic Learning Centers for Children with
Dyslexia
Ohio 4-H Celebration of Youth
PALS, A Chrysalis Health Company
Victory Ministries for Children’s Outreach
Program
Westerville Area Resource Ministry (W.A.R.M.)
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2014 at a Glance
Episode of History Channel’s ‘America Unearthed’
taped at corporate office in Gahanna
Heartland Bank RV made appearances at both Ohio
State football and Columbus Crew SC games, local
parades and festivals, and youth soccer events in
central Ohio
Participated in Farm Science Review in London,
Ohio, to launch Agribusiness program
COLUMBUS CREW SC FOUNDATION
check presentation
HEARTLAND BANK RV
at Gahanna Lions Club Fourth of July Parade
CEREAL BOX COLLECTION
for Gahanna Residents in Need
TEACHING FINANCIAL LITERACY
at Searfoss Elementary School
FARM SCIENCE REVIEW
Agribusiness Program Kick-off
WESTERVILLE MUSIC &
ARTS FESTIVAL
WIL TRAPP
Columbus Crew SC #20
MONEY MATTERS
Heartland’s Free Financial Summit
75-100 MILE PELOTONIA RIDE
to support cancer research
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HEARTLAND BANK SENIOR MANAGEMENT
Our Senior Management team represents what Heartland Bank is all about: people and the relationships we build as a community bank. Each member not only
brings detailed insight, knowledge and expertise to Heartland Bank, but also a passion for helping our customers and communities plan, grow and succeed.
HEARTLAND BANCCORP AND BANK DIRECTORS
Arthur G.H. Bing M.D., Plastic & Reconstructive Surgeon (Not Pictured)
William A. Dodson, Jr., EVP/Community Relations Director, Rhema Christian Center
Steven C. Hines
EVP, Chief Operating Officer
George R. Smith
EVP, Chief Financial Officer
Carrie L. Almendinger
Senior VP, Controller
David P. Curby
Senior VP, Mortgage Lending
Jay B. Eggspuehler, Esq., Isaac Wiles
Jodi L. Garrison, CPA, Partner, Hirth, Norris & Garrsion, LLP
John R. Haines, Retired, John R. Haines Insurance Agency
David C. Kotary, Senior Vice President, Brower Insurance
Gerald K. McClain, President, The Jerry McClain Company, Inc.
G. Scott McComb, Chairman, President and CEO
Robert C. Overs, EVP & COO, Technical Rubber Company, Inc.
Gary D. Paine, Owner, Pilot Freight Services
William J. Schottenstein, Principal, Arshot Investment Corporation
Richard A. Vincent, President & CEO, Osteopathic Heritage Foundation and Osteopathic Heritage
Foundation of Nelsonville
DIRECTORS EMERITUS
I. Robert Amerine, Chairman,
American Apex Corporation
Jack J. Eggspuehler, President, Aerosafe, Inc.
Tiney M. McComb, Founder,
Heartland BancCorp
Cheryl C. Poulton, Executive Chairman,
Tech International
HEARTLAND BANCCORP
OFFICERS
G. Scott McComb, Chairman, President and CEO
Jay B. Eggspuehler, Esq., Vice Chairman
Jodi L. Garrison, Secretary
G. Scott McComb
Chairman, President and CEO
Board of Directors
George R. Smith, Executive Vice President,
Chief Financial Officer
William A. Daily, Jr.
Senior VP, Commercial
Lending Manager
Benjamin J. Babcanec
VP, Retail Sales Manager
Joseph A. Duffey
VP, Director of
Credit Administration
Jennifer L. Eckert
VP, Compliance Officer,
Corporate Secretary
Ashley A. Trout
VP, Retail Operations Manager
Mindy N. King
AAO, Director of
Human Resources
Gretchen A. Hof
AO, Director of Marketing
Mark J. Posey
VP, Director of Investment
Services, Heartland;
Investment Executive, Infinex
HEARTLAND INVESTMENT
SERVICES
Mark J. Posey
VP, Director of Investment Services, Heartland;
Investment Executive, Infinex
HEARTLAND INSURANCE
SERVICES
Agent Representation
Brower Insurance: a Marsh & McLennan
Agency, LLC. Company
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12 Heartland Locations to Serve You
1
2
5
14
13
INTERSTATE
71
9
7
10
4
11
8
INTERSTATE
70
6
NEWARK
3
INTERSTATE
270
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Call Us Today
(1) Croton 740-893-2191
(4) Wilson Road 614-351-2100
(7) Gahanna 614-337-4605
(10) Stygler Road 614-475-7024
(2) Johnstown 740-967-6500
(5) Dublin 614-798-8818
(8) Reynoldsburg 614-416-0400
(11) Capitol Square 614-416-0244
(3) Grove City 614-875-1884
(6) Newark 740-349-7888
(9) Westerville 614-839-2265
(12) Pickerington 614-321-4919
(13) Worthington Christian Village 614-846-6076
(14) Friendship Village of Dublin 614-923-0575
General Info
Heartland BancCorp is a registered Ohio bank holding company and the
parent of Heartland Bank, which operates twelve full-service banking offices.
Heartland Bank, founded in 1911, provides full service commercial, small
business, and consumer banking services; alternative investment services;
insurance services; and other financial products and services. Heartland
Bank is a member of the Federal Reserve, a member of the FDIC and an Equal
Housing Lender.
Mission Statement
It is Heartland Bank’s mission to provide the best personalized financial
services at competitive prices for the economic growth and well being
of individuals and businesses within our communities. This goal shall be
accomplished through well-trained, caring employees with unquestionable
integrity, who practice sound and innovative banking principles, which
will maximize bank profits and growth.
Heartland Bank’s Shared Values
• Superior service is our highest priority
• Productivity is an integral part of our corporate strategy
• Team players receive the highest rewards
• Quality is rewarded as well as quantity
• Rewards will include advancement, recognition and/or incentive
compensation
• Through access to accurate information, we will strive to keep ourselves and
our customers informed
• We will constantly seek to improve how we are perceived by our
customers
• We will empower our employees to perform their duties in a
responsible manner
• We will seek to know our cost of doing business
• We encourage the exploring of new ideas
• Our business is to provide customer satisfaction profitability
• We value loyalty, honesty and integrity in our relationships
• We are committed to the enrichment of our local communities through
our involvement
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heartlandbankcentralohio
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HeartlandBank.com
Member FDIC I Equal Housing Lender
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