Heartland Financial USA, Inc. is a bank holding company headquartered in Dubuque, Iowa, that provides a range of financial services through its subsidiary banks. Founded in 1981, the company has grown steadily over four decades by focusing on community banking principles and maintaining a strong local presence. Heartland Financial operates under the NASDAQ ticker symbol HTLF and adheres to a conservative lending philosophy, emphasizing strong credit quality and risk management.
The company’s primary business activities include commercial and consumer banking, mortgage lending, wealth management, insurance services and trust services. Its banking division offers checking and savings accounts, certificates of deposit, and cash management solutions to individuals, small businesses and agricultural clients. In addition, Heartland’s mortgage group provides home loan origination and servicing, while its insurance affiliate delivers property, casualty and life insurance products. The wealth management arm supports financial planning, investment advisory and retirement trust services.
Geographically, Heartland Financial serves markets across the Midwest and Rocky Mountain regions, with community banks located in Iowa, Illinois, Minnesota, South Dakota, Wisconsin, Colorado and Texas. The company maintains approximately 70 full-service banking offices, enabling it to blend local decision-making with the resources of a regional financial institution. By concentrating on smaller cities and towns, Heartland aims to build long-term relationships with customers and respond quickly to their evolving needs.
Under the leadership of President and CEO Michael B. Tierney, Heartland Financial has pursued a strategy of disciplined growth, including targeted acquisitions and organic expansion. The executive team is supported by a board of directors drawn from the communities it serves, reinforcing a commitment to community involvement and sound corporate governance. Heartland’s management emphasizes the importance of customer service, employee development and corporate responsibility as pillars of its long-term success.
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