Heartland Bank has a credit rating of BBB (Outlook Negative) from Standard & Poor's, and a credit rating of BBB (Outlook Stable) from Fitch Ratings.
Heartland Bank's parent, Heartland New Zealand Limited (HNZ), is listed on the NZX Main Board, and has approximately 8,000 shareholders. Having an NZX Main Board listed parent provides the potential to access capital.
Heartland Bank has a wide network of branches and offices throughout New Zealand.
All of Heartland Bank's lending is on New Zealand based assets or businesses, and is spread across the country and over many sectors.