• Who We Are

    HTLF’s geographically diverse group of banks are located across the Midwest, Southwest and West regions of the United States. HTLF has banking locations serving communities in Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas and Wisconsin. HTLF is committed to its core commercial business, supported by a strong retail operation and provides a diversified line of financial services including residential mortgage, wealth management, investment and insurance.

    Mission Statement:

    Enriching lives one customer, employee and community at a time.

    Vision Statement:

    - We will be a top-performing and admired banking organization.
    - We will actively contribute to the vitality of the communities where we live and work.
    - We will deliver financial expertise and excellent experiences.

     

    Diversity, Equity, Inclusion

    Diversity, Equity and Inclusion:

    We all come from diverse backgrounds and experiences that help shape our company values. Our values are rooted in the belief that respect, equity and inclusiveness make us stronger together. The variety of experiences and lifestyles we bring to work every day provides insights that help us better understand each other and our customers.
     

     

    Forbes Best Bank:

    We’re proud to be part of our local communities, providing financial products and services our customers value. Plus, we’re deeply invested in communities where we operate. Our unmatched dedication to community banking and customer service helped make us a Forbes Best Bank the past five years. 

    Forbes Best Bank in America 2021

  • Our History

    Throughout our journey, we have successfully navigated through dynamic challenges facing our industry. We value customer experience and believe in our community banking model because both position our company for continued success.

    Born from a community bank and raised on innovation, HTLF’s success story started in 1935, long before HTLF existed. Click here to see some of our most celebrated milestones.

  • Annual Reports

    Our unique model powers our geographically diverse group of banks with technology, efficiency and strength. Decision making is local and focused on customers and relationships. This is community banking with the scale to compete at any level.

    Click Here to Access the 2020 Annual Report

    Download the 2020 Annual Report

    The combination of our strong balance sheet and our unique operating model of 11 bank brands across a geographically diverse footprint positions us to confidently navigate economic uncertainty. The dedicated and talented people of Heartland are poised to deliver growth in 2020 and beyond.

    Download the 2019 Annual Report

     

    At Heartland Financial USA, Inc., we celebrate 2018 as a time of listening and responding like never before. Our strengthened focus on teamwork, partnerships and exploration of innovative solutions has met with tangible success. This annual report is the story of our member banks working together with Heartland—sharing expertise, systems and models of excellence—to harness “The Power of One.” 

    Download 2018 Annual Report

    Reaching New Heights with financial performance and an eye to the future, paving the way to reach $10 billion in assets in the year ahead. The year 2017 was another year of increased dividends for our shareholders. We completed acquisitions in Colorado and California and announced two additional acquisitions in Minnesota and Texas.

    Download 2017 Annual Report

    It was another record year for our company and one in which we made significant progress on many fronts. We maintained our historic record of positive earnings with the highest net income in our 30-year history. We completed an acquisition in Colorado and announced another acquisition in California and our Board of Directors approved cash dividends of $0.50 per share, continuing our history of increased or level dividend payments every year since Heartland’s inception in 1981.

    Download 2016 Annual Report

    The year 2015 was the best year ever for Heartland Financial USA, Inc. Despite low interest rates, geopolitical turmoil and a tepid U.S. economy, we achieved outstanding growth in earnings and assets, made strategically important additions to our geographical footprint, enhanced our portfolio of banking services and made excellent progress in improving our operational efficiency. As a result, we delivered tangible benefits to our customers and shareholders.

    Download 2015 Annual Report

    Our best description of 2014 for Heartland Financial USA, Inc. is growth. We found opportunities to capitalize on a changing (and sometimes challenging) environment and produced a banner year—the second best in our 34-year history. We achieved solid growth in earnings and assets, refined and expanded our geographical footprint, made exciting improvements internally and delivered tangible benefits to our customers and shareholders.

    Download 2014 Annual Report

    The year 2013 was a highly unusual one for the banking industry in the United States. While the U.S. economy showed signs of life and the stock market soared, low interest rates and weak demand for business loans and mortgages created a tough climate for all banks. However, despite these adverse headwinds, Heartland Financial USA, Inc. enjoyed the second-best year in our 33-year history.

    Download 2013 Annual Report

    Heartland Financial USA had a banner year in 2012. Despite turbulent markets, fiscal gridlock and a mediocre U.S. economy, the growth in our earnings—and virtually all other financial benchmarks—was exceptional.

    Download 2012 Annual Report

    For the year 2011, our company made significant progress on many fronts: we maintained our historic record of positive earnings with the highest net income in our 30-year history; four of our subsidiaries recorded their best years ever; and our Board of Directors approved cash dividends of $0.40 per share, continuing our history of increased or level dividend payments every year since Heartland’s inception in 1981.

    Download 2011 Annual Report

     

     

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