HLAN fundamentals

Heartland BancCorp is a bank holding company, which engages in the business of operating full-service banking offices. It operates through the following portfolio segments: Commercial, Commercial Real Estate, Residential Real Estate, and Consumer. The Commercial segment focuses on the identified cash flows of the borrower and on the underlying collateral provided by the borrower. The Commercial Real Estate segment includes higher loan principal amounts, and the repayment of loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. The Residential Real Estate segment is involved in establishing maximum loan-to-value ratio and generally requires private mortgage insurance. The company was founded by Tiney M. McComb in May 1988 and is headquartered in Whitehall, OH.