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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 55 slides",
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  "authorName": "Heartland Financial USA",
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  "presentationDate": "2023-11-01 00:00:00",
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  "notes": "Includes a waterfall-style 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: no market > 13%, no industry > 10%. Attractive customer deposit book: 33% Non Interest Bearing, 1.52% costs, 26.9% cycle beta. 64% insured.",
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      "text": "1. Non Customer Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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