Heartland Financial USA(HTLF) - 2024 Q4 - Annual Results

January 28, 2025 HEARTLAND FINANCIAL USA, INC. ("HTLF") REPORTS ANNUAL EARNINGS AND FOURTH QUARTER RESULTS AS OF DECEMBER 31, 2024 Fourth Quarter Highlights "HTLF delivered a solid fourth quarter. Our common equity tier 1 ratio improved to 13.16%. Customer deposits grew at a 6% annual pace. We are delivering a strong balance sheet as we anticipate closing our merger with UMB Bank on January 31, 2025. In preparation for the merger we took strategic action to charge off lower performing loans and to divest of ...