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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 35 slides",
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  "authorName": "Heartland Financial USA",
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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "Includes a waterfall chart for uninsured deposits and a stacked bar chart for deposit flows.",
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      "text": "Customer deposits grew $152 million; Commercial deposits saw an increase of ~$138 million; Diversified deposit base; Across footprint with no market > 13%; No industry > than 10%; Attractive customer deposit book; 33% Non Interest Bearing; 1.52% Customer deposit costs; 26.9% cycle beta; 64% of deposits insured/collateralized",
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      "text": "1. Non Customer Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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