Heartland BancCorp

Heartland BancCorp is a financial holding company, a registered Ohio bank holding company, and the parent of Heartland Bank. Heartland Bank operates eighteen full-service offices located in Fairfield, Franklin and Licking Counties of Central Ohio and Boone, Campbell and Kenton counties of Northern Kentucky. Alternative investment services are provided through LPL Financial. Heartland Bank is a member of the Federal Reserve, a member of the FDIC and an Equal Housing Lender. The bank was originally chartered in Croton, Ohio as The Croton Bank Company in 1911. Heartland BancCorp is currently quoted on the over-the-counter (OTC) Bulletin Board Service under the symbol HLAN.
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From left to right: Jennifer Eckert, SVP, Compliance/Risk Management, Corporate Secretary, Scott McComb, President, Chairman and CEO and Carrie Almendinger, EVP/CFO.

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Contact Information

Heartland BancCorp
430 North Hamilton Road
Whitehall, OH 43213
(614) 337-4600

Investor Relations Contact
Jennifer Eckert investorrelations@heartland.bank
A Letter from the CEO

In a day and age when regulation requires that financial institutions assure the 'ability to repay' of its clients, the need and opportunity for community banks is at its greatest. It is my pleasure to introduce you to Heartland BancCorp, the parent company of Heartland Bank.

With the purchase of shares of Croton Bank, Tiney M. McComb formed Heartland BancCorp in 1988. A 33º Mason and former Federal Reserve Bank of Cleveland Board Member, he focused on shareholder value as well as sound and innovative banking principles that maximized bank profits and growth. The conservative stance has led Heartland Bank to be ranked in 2020 as the 58th best Community Bank in the country, as named by American Banker Magazine. Heartland BancCorp has been providing consistent bank profitability* for over 25 years.

Heartland's focus is on community banking, investments and insurance services for its clients in both Central Ohio and Northern Kentucky. The majority of the bank's business is commercial, advising businesses and their owners on financial matters and capitalization as well as income and balance sheet growth. Along with significant assets in SBA/Government Guaranteed loans, hospitality and non-profit lending, Heartland also banks school districts and municipalities within its footprint. We also enjoy a strong relationship with the communities we serve through a full line of consumer products and services.

Heartland BancCorp and Heartland Bank are positioned well within Central Ohio and Northern Kentucky, some of the fastest growing and healthiest economies in the U.S. At Heartland BancCorp, we believe in a firm commitment to our shareholders by enhancing the value of their investment in our company. You can further your investment in Heartland by continuing, increasing or establishing your banking relationship with us.

By owning a piece of your community bank, you're investing in the prosperity of your community.

Sincerely,

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G. Scott McComb
Chairman and President

*Statements made are a reflection of past performance of the bank and holding company and should not be considered a projection of future performance. Investments involve varying degrees of risk, including possible loss of principal. Funds held in corporate stock are not considered a deposit of the bank or bank holding company, not guaranteed by the bank or bank holding company and are not insured by the FDIC or any government agency and may lose value.
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