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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 35 slides",
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  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The slide tracks deposit costs and betas relative to Fed Funds rates starting from 1Q2022.",
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      "text": "Cost of Deposits and Cycle 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 - over the same time period. 1. Non Customer Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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