• Who We Are

    Heartland Financial USA, Inc. is a diversified financial services company based in Dubuque, Iowa. Our family of 11 community banks are in the Midwest and Western United States. We have over 120 banking centers and each bank serves customers with local decision-making supported by big bank resources. Our community banks offer a complete portfolio of products and services including commercial loans, treasury management, mortgage, checking and savings accounts, retirement planning services, insurance, credit cards and more. Relationships have been the core of our company since its founding in 1981. That’s why we’re deeply invested in the communities we serve and why our clients often refer to us as their partners.

  • 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, Heartland’s success story started in 1935, long before Heartland existed. Click here to see some of our most celebrated milestones.

  • Annual Reports

    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

    We welcome this opportunity to share with you the successes of 2010. Even with the economic downturn and new legislation affecting the financial industry, Heartland has been able to maintain its historic record of positive earnings. Through strategic planning, prudent management and hard work, our company rebounded in 2010, which was our third most profitable year. Six of our 11 subsidiaries recorded their best years ever.

    Download 2010 Annual Report