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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 34 slides",
  "authorId": "heartland-financial-usa",
  "authorName": "HTLF",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "The slide includes a detailed table of deposit metrics and a combo chart visualizing the relationship between Fed Funds rates and deposit costs/betas over time.",
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      "kind": "chart",
      "text": "Cost of Deposits and Beta Trends",
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      "text": "Note: Cycle beta starting point 1Q2022. Note: Beta is defined as the change in deposit cost of funds rate divided by the change in Fed Funds rate. 1. Non Core Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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      "text": "Deposit Funding: Attractive Customer Deposit Costs",
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