Heartland National Bank
Sebring, FL — National Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Heartland National Bank | All Insured Commercial Banks in Florida |
| 12-31-2016 | 3.142 | 3.553 |
| 09-30-2016 | 3.219 | 3.555 |
| 06-30-2016 | 3.223 | 3.561 |
| 03-31-2016 | 3.211 | 3.576 |
| 12-31-2015 | 3.069 | 3.596 |
| 09-30-2015 | 3 | 3.58 |
| 06-30-2015 | 2.96 | 3.572 |
| 03-31-2015 | 3.005 | 3.562 |
| 12-31-2014 | 3.178 | 3.589 |
| 09-30-2014 | 3.182 | 3.589 |
| 06-30-2014 | 3.219 | 3.559 |
| 03-31-2014 | 3.274 | 3.537 |
| 12-31-2013 | 3.08 | 3.515 |
| 09-30-2013 | 2.992 | 3.507 |
| 06-30-2013 | 2.962 | 3.489 |
| 03-31-2013 | 2.978 | 3.479 |
| 12-31-2012 | 3.346 | 3.605 |
| 09-30-2012 | 3.332 | 3.595 |
| 06-30-2012 | 3.381 | 3.585 |
| 03-31-2012 | 3.523 | 3.601 |
| 12-31-2011 | 3.884 | 3.562 |
| 09-30-2011 | 3.847 | 3.551 |
| 06-30-2011 | 3.867 | 3.521 |
| 03-31-2011 | 3.768 | 3.464 |
| 12-31-2010 | 3.748 | 3.384 |
| 09-30-2010 | 3.691 | 3.374 |
| 06-30-2010 | 3.67 | 3.343 |
| 03-31-2010 | 3.671 | 3.311 |
| 12-31-2009 | 3.456 | 3.114 |
| 09-30-2009 | 3.325 | 3.06 |
| 06-30-2009 | 3.286 | 3.016 |
| 03-31-2009 | 3.304 | 3.008 |
| 12-31-2008 | 3.939 | 3.435 |
| 09-30-2008 | 3.926 | 3.538 |
| 06-30-2008 | 3.849 | 3.568 |
| 03-31-2008 | 3.897 | 3.6 |
| 12-31-2007 | 4.373 | 4.088 |
| 09-30-2007 | 4.343 | 4.11 |
| 06-30-2007 | 4.376 | 4.109 |
| 03-31-2007 | 4.468 | 4.087 |
| 12-31-2006 | 4.685 | 4.437 |
| 09-30-2006 | 4.706 | 4.441 |
| 06-30-2006 | 4.711 | 4.408 |
| 03-31-2006 | 4.657 | 4.374 |
| 12-31-2005 | 4.724 | 4.355 |
| 09-30-2005 | 4.68 | 4.314 |
| 06-30-2005 | 4.625 | 4.24 |
| 03-31-2005 | 4.589 | 4.189 |
| 12-31-2004 | 4.317 | 4.074 |
| 09-30-2004 | 4.213 | 4.042 |
| 06-30-2004 | 4.103 | 4.015 |
| 03-31-2004 | 4.163 | 4.061 |
| 12-31-2003 | 4.176 | 4.041 |
| 09-30-2003 | 4.12 | 4.034 |
| 06-30-2003 | 4.089 | 4.045 |
| 03-31-2003 | 4.17 | 4.094 |
| 12-31-2002 | 4.543 | 4.271 |