Heartland Financial USA (HTLF) 10-K 26 Feb 20 2019 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 25, 2020	Jun. 30, 2019
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2019
Document Transition Report	false
Entity File Number	001-15393
Entity Registrant Name	HEARTLAND FINANCIAL USA, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	42-1405748
Entity Address, Address Line One	1398 Central Avenue,
Entity Address, City or Town	Dubuque
Entity Address, State or Province	IA
Entity Address, Postal Zip Code	52001
City Area Code	(563)
Local Phone Number	589-2100
Title of 12(b) Security	Common Stock $1.00 par value
Trading Symbol	HTLF
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 1,548,354,472
Entity Common Stock, Shares Outstanding		36,766,531
Documents Incorporated by Reference	Portions of the Proxy Statement for the 2020 Annual Meeting of Stockholders are incorporated by reference into Part III.
Amendment Flag	false
Document Fiscal Year Focus	2019
Current Fiscal Year End Date	--12-31
Entity Central Index Key	0000920112
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 206,607	$ 223,135
Interest bearing deposits with other banks and other short-term investments	172,127	50,495
Cash and cash equivalents	378,734	273,630
Time deposits in other financial institutions	3,564	4,672
Securities:
Carried at fair value (cost of $3,311,433 at December 31, 2019, and cost of $2,492,620 at December 31, 2018)	3,312,796	2,450,709
Held to maturity, at cost (fair value of $100,484 at December 31, 2019, and $245,341 at December 31, 2018)	91,324	236,283
Other investments, at cost	31,321	28,396
Loans held for sale	26,748	119,801
Loans receivable:
Held to maturity	8,367,917	7,407,697
Allowance for loan losses	(70,395)	(61,963)
Loans receivable, net	8,297,522	7,345,734
Premises, furniture and equipment, net	197,558	187,418
Premises, furniture and equipment held for sale	2,967	7,258
Other real estate, net	6,914	6,153
Goodwill	446,345	391,668
Core deposit intangibles and customer relationship intangibles, net	48,688	47,479
Servicing rights, net	6,736	31,072
Cash surrender value on life insurance	171,625	162,892
Other assets	186,755	114,841
TOTAL ASSETS	13,209,597	11,408,006
Deposits:
Demand	3,543,863	3,264,737
Savings	6,307,425	5,107,962
Time	1,193,043	1,023,730
Total deposits	11,044,331	9,396,429
Deposits held for sale	0	106,409
Short-term borrowings	182,626	227,010
Other borrowings	275,773	274,905
Accrued expenses and other liabilities	128,730	78,078
TOTAL LIABILITIES	11,631,460	10,082,831
STOCKHOLDERS' EQUITY:
Common stock (par value $1 per share; 60,000,000 shares authorized at December 31, 2019 and 40,000,000 at December 31, 2018; issued 36,704,278 shares at December 31, 2019, and 34,477,499 shares at December 31, 2018)	36,704	34,477
Capital surplus	839,857	743,095
Retained earnings	702,502	579,252
Accumulated other comprehensive loss	(926)	(31,649)
TOTAL STOCKHOLDERS' EQUITY	1,578,137	1,325,175
TOTAL LIABILITIES AND EQUITY	13,209,597	11,408,006
Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	0	0
Series A Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	0	0
Series C Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	0	0
Series D Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	$ 0	$ 0

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized cost of securities	$ 3,311,433	$ 2,492,620
Held to maturity securities, fair value	$ 100,484	$ 245,341
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	60,000,000	40,000,000
Common stock, shares issued (in shares)	36,704,278	34,477,499
Preferred Stock
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	17,604	17,604
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Series A Preferred Stock
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	16,000	16,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Series C Preferred Stock
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	81,698	81,698
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Series D Preferred Stock
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	3,000	3,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME:
Interest and fees on loans	$ 424,615	$ 393,871	$ 304,006
Interest on securities:
Taxable	73,147	54,131	38,365
Nontaxable	9,868	14,120	19,698
Interest on federal funds sold	4	0	42
Interest on interest bearing deposits in other financial institutions	6,695	3,698	1,547
TOTAL INTEREST INCOME	514,329	465,820	363,658
INTEREST EXPENSE:
Interest on deposits	63,734	35,667	18,279
Interest on short-term borrowings	1,748	1,696	678
Interest on other borrowings (includes $170, $179, and $1,290 of interest expense related to derivatives reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2019, 2018, and 2017, respectively)	15,118	14,503	14,393
TOTAL INTEREST EXPENSE	80,600	51,866	33,350
NET INTEREST INCOME	433,729	413,954	330,308
Provision for loan losses	16,657	24,013	15,563
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	417,072	389,941	314,745
NONINTEREST INCOME:
Revenue from contract with customers	75,342	71,612	59,034
Loan servicing income	4,843	7,292	5,636
Securities gains, net (includes $7,659, $1,085, and $6,764 of net security gains reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2019, 2018, and 2017, respectively)	7,659	1,085	6,973
Unrealized gain on equity securities, net	525	212	0
Net gains on sale of loans held for sale	15,555	21,450	22,251
Valuation allowance on servicing rights	(911)	(46)	21
Income on bank owned life insurance	3,785	2,793	2,772
Other noninterest income	9,410	4,762	5,335
TOTAL NONINTEREST INCOME	116,208	109,160	102,022
NONINTEREST EXPENSES:
Salaries and employee benefits	200,541	196,118	171,407
Occupancy	25,450	25,328	22,244
Furniture and equipment	12,100	12,529	11,061
Professional fees	50,022	43,510	36,474
Advertising	10,028	9,565	7,229
Core deposit intangibles and customer relationship intangibles amortization	11,972	9,355	6,077
Other real estate and loan collection expenses	1,035	3,038	2,461
(Gain) loss on sales/valuations of assets, net	(19,422)	2,208	2,475
Restructuring expenses	3,227	2,564	0
Other noninterest expenses	54,208	49,673	38,247
TOTAL NONINTEREST EXPENSES	349,161	353,888	297,675
INCOME BEFORE INCOME TAXES	184,119	145,213	119,092
Income taxes (includes $1,890, $165, and $2,042 of income tax expense reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2019, 2018, and 2017, respectively)	34,990	28,215	43,820
NET INCOME	149,129	116,998	75,272
Preferred dividends	0	(39)	(58)
Interest expense on convertible preferred debt	0	0	12
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 149,129	$ 116,959	$ 75,226
EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ 4.14	$ 3.54	$ 2.67
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	4.14	3.52	2.65
CASH DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$ 0.68	$ 0.59	$ 0.51
Service charges and fees
NONINTEREST INCOME:
Revenue from contract with customers	$ 52,157	$ 48,706	$ 39,183
Trust fees
NONINTEREST INCOME:
Revenue from contract with customers	19,399	18,393	15,818
Brokerage and insurance commissions
NONINTEREST INCOME:
Revenue from contract with customers	$ 3,786	$ 4,513	$ 4,033

Consolidated Statements of In_2

Consolidated Statements of Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest on other borrowings	$ 15,118	$ 14,503	$ 14,393
Securities gains, net	7,659	1,085	6,973
Income taxes	34,990	28,215	43,820
Reclassification out of Accumulated Other Comprehensive Income | Accumulated Net Gain (Loss) from Derivatives
Interest on other borrowings	170	179	1,290
Reclassification out of Accumulated Other Comprehensive Income | Accumulated Net Unrealized Investment Gain (Loss)
Securities gains, net	7,659	1,085	6,764
Reclassification out of Accumulated Other Comprehensive Income | Accumulated Other Comprehensive Income (Loss)
Income taxes	$ 1,890	$ 165	$ 2,042

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 149,129	$ 116,998	$ 75,272
Securities:
Net change in unrealized gain (loss) on securities	52,557	(9,568)	23,778
Reclassification adjustment for net gains realized in net income	(7,659)	(1,085)	(6,764)
Income taxes	(11,429)	2,731	(6,670)
Other comprehensive income (loss) on securities	33,469	(7,922)	10,344
Derivatives used in cash flow hedging relationships:
Net change in unrealized gain (loss) on derivatives	(3,639)	816	210
Reclassification adjustment for net losses on derivatives realized in net income	(170)	(431)	(1,290)
Income taxes	(723)	220	765
Other comprehensive income (loss) on cash flow hedges	(2,746)	1,027	735
Other comprehensive income (loss)	30,723	(6,895)	11,079
TOTAL COMPREHENSIVE INCOME	$ 179,852	$ 110,103	$ 86,351

Consolidated Statements of Chan

Consolidated Statements of Changes in Equity - USD ($) $ in Thousands	Total	Series D Preferred Stock	Preferred Stock	Preferred StockSeries D Preferred Stock	Common Stock	Capital Surplus	Retained Earnings	Retained EarningsSeries D Preferred Stock	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance at beginning of period at Dec. 31, 2016	$ 740,916		$ 1,357		$ 26,120	$ 328,376	$ 416,109		$ (31,046)	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	86,351						75,272		11,079
Reclassification of certain income tax effects from accumulated other comprehensive income (loss)							4,507		(4,507)
Cash dividends declared:
Preferred		$ (58)						$ (58)
Common	(14,499)						(14,499)
Redemption of preferred stock		(419)		$ (419)
Purchase of shares of treasury stock	(625)									(625)
Issuance of shares of common stock	175,723				3,833	171,265				625
Stock based compensation	4,068					4,068
Balance at end of period at Dec. 31, 2017	991,457		938		29,953	503,709	481,331		(24,474)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	110,103						116,998		(6,895)
Reclassification of certain income tax effects from accumulated other comprehensive income (loss)							280		(280)
Cash dividends declared:
Preferred		(39)						$ (39)
Common	(19,318)						(19,318)
Redemption of preferred stock		$ (938)		$ (938)
Purchase of shares of treasury stock	(97)									(97)
Issuance of shares of common stock	239,502				4,524	234,881				97
Stock based compensation	4,505					4,505
Balance at end of period at Dec. 31, 2018	1,325,175		0		34,477	743,095	579,252		(31,649)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Retained earnings adjustment for adoption of leasing standard	(1,272)						(1,272)
Comprehensive income (loss)	179,852						149,129		30,723
Cash dividends declared:
Common	(24,607)						(24,607)
Issuance of shares of common stock	92,919				2,227	90,692
Stock based compensation	6,070					6,070
Balance at end of period at Dec. 31, 2019	$ 1,578,137		$ 0		$ 36,704	$ 839,857	$ 702,502		$ (926)	$ 0

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash dividends per share common stock (in dollars per share)	$ 0.68	$ 0.59	$ 0.51
Purchase of treasury stock (in shares)		1,761	13,066
Issuance of common stock (in shares)	2,226,779	4,525,904	3,846,493
Series D Preferred Stock
Cash dividends per share preferred stock (in dollars per share)		$ 52.50	$ 70

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 149,129	$ 116,998	$ 75,272
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	30,797	30,791	30,144
Provision for loan losses	16,657	24,013	15,563
Net amortization of premium on securities	20,326	25,142	26,961
Provision for deferred taxes	(414)	2,760	13,263
Securities gains, net	(7,659)	(1,085)	(6,973)
Unrealized gain on equity securities, net	(525)	(212)	0
Stock based compensation	6,070	4,505	4,068
(Gain) loss on sales/valuations of assets, net	(8,394)	2,208	2,475
Loans originated for sale	(384,603)	(646,019)	(728,681)
Proceeds on sales of loans held for sale	396,290	714,259	760,484
Net gains on sales of loans held for sale	(14,661)	(16,404)	(15,102)
(Increase) decrease in accrued interest receivable	1,301	(3,368)	(593)
(Increase) decrease in prepaid expenses	(8,566)	2,364	576
Increase (decrease) in accrued interest payable	421	(2)	34
Gain on extinguishment of debt	(375)	0	(1,280)
Capitalization of servicing rights	(1,011)	(5,160)	(7,358)
Valuation adjustment on servicing rights	911	46	(21)
Excess tax benefits from stock based compensation	266	674	1,246
Other, net	(34,786)	(8,760)	(14,148)
NET CASH PROVIDED BY OPERATING ACTIVITIES	161,174	242,750	155,930
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of time deposits in other financial institutions	(258)	(1,000)	0
Proceeds from the sale of securities available for sale	1,628,467	727,895	1,456,750
Proceeds from the sale, maturity of and principal paydowns on other investments	10,325	1,618	2,790
Proceeds from the redemption of time deposits in other financial institutions	0	8,767	12,171
Proceeds from the maturity of and principal paydowns on securities available for sale	402,946	237,747	222,656
Proceeds from the maturity of and principal paydowns on securities held to maturity	3,158	15,953	10,621
Proceeds from the maturity of and principal paydowns on time deposits in other financial institutions	1,216	6,993	34,904
Purchase of securities available for sale	(2,577,106)	(1,197,822)	(1,816,564)
Purchase of other investments	(6,446)	(3,731)	(1,116)
Net (increase) decrease in loans	(90,749)	(132,401)	22,109
Purchase of bank owned life insurance policies	(28)	(2,228)	(2,000)
Proceeds from bank owned life insurance policies	1,402	0	0
Proceeds from sale of mortgage servicing rights	35,017	0	6,290
Capital expenditures and investments	(17,928)	(12,742)	(8,113)
Net cash and cash equivalents received in acquisitions	76,071	212,197	71,089
Net cash expended in divestitures	(49,264)	0	0
Proceeds from sale of equipment	903	2,972	4,867
Proceeds on sale of OREO and other repossessed assets	8,304	11,562	10,844
NET CASH PROVIDED (USED) BY INVESTING ACTIVITIES	(573,970)	(124,220)	27,298
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand deposits	51,178	8,052	154,394
Net increase (decrease) in savings accounts	680,641	318,697	(166,733)
Net decrease in time deposit accounts	(81,251)	(221,980)	(79,733)
Proceeds on short-term revolving credit line	0	25,000	20,000
Repayments on short-term revolving credit line	0	(25,000)	(20,000)
Net decrease in short-term borrowings	(51,314)	(158,519)	(25,847)
Proceeds from short term FHLB advances	512,085	462,940	251,139
Repayments of short term FHLB advances	(546,725)	(402,102)	(241,505)
Proceeds from other borrowings	50	30,131	0
Repayments of other borrowings	(20,693)	(59,157)	(9,645)
Payment for the redemption of debt	(2,125)	0	(13,800)
Purchase of treasury stock	0	(97)	(625)
Proceeds from issuance of common stock	661	489	963
Dividends paid	(24,607)	(19,357)	(14,557)
NET CASH PROVIDED (USED) BY FINANCING ACTIVITIES	517,900	(40,903)	(145,949)
Net increase in cash and cash equivalents	105,104	77,627	37,279
Cash and cash equivalents at beginning of year	273,630	196,003	158,724
CASH AND CASH EQUIVALENTS AT END OF PERIOD	378,734	273,630	196,003
Supplemental disclosures:
Cash paid for income/franchise taxes	37,609	17,085	15,817
Cash paid for interest	80,238	51,868	33,316
Loans transferred to OREO	8,066	7,866	5,293
Transfer of premises from premises, furniture and equipment held for sale to premises, furniture and equipment, net	4,306	81	2,372
Purchases of securities available for sale, accrued, not paid	11,106	0	1,017
Transfer of premises from premises, furniture and equipment, net to premises, furniture and equipment held for sale	4,655	7,660	3,442
Securities transferred from held to maturity to available for sale	148,030	0	0
Conversion of convertible debt to common stock	0	0	558
Conversion/redemption of Series D preferred stock to common stock	0	938	419
Loans transferred to held for sale	32,111	96,027	0
Deposits transferred to held for sale	76,968	106,409	0
Stock consideration granted for acquisitions	$ 92,258	$ 238,075	$ 175,196

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations - Heartland Financial USA, Inc. ("Heartland") is a multi-bank holding company with locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Colorado, Montana, Minnesota, Kansas, Missouri, Texas and California. The principal services of Heartland, which are provided through its subsidiaries, are FDIC-insured deposit accounts and related services, and loans to businesses and individuals. The loans consist primarily of commercial and commercial real estate, agricultural and agricultural real estate, residential real estate and consumer loans. Principles of Presentation - The consolidated financial statements include the accounts of Heartland and its subsidiaries: Dubuque Bank and Trust Company; Illinois Bank & Trust; Wisconsin Bank & Trust; New Mexico Bank & Trust; Arizona Bank & Trust; Rocky Mountain Bank; Citywide Banks; Minnesota Bank & Trust; Bank of Blue Valley; Premier Valley Bank; First Bank & Trust; Citizens Finance Parent Co.; PrimeWest Mortgage Corporation; DB&T Insurance, Inc.; DB&T Community Development Corp.; Heartland Community Development, Inc.; Heartland Financial USA, Inc. Insurance Services; Citizens Finance Co.; Citizens Finance of Illinois Co.; Heartland Financial Statutory Trust IV; Heartland Financial Statutory Trust V; Heartland Financial Statutory Trust VI; Heartland Financial Statutory Trust VII; Morrill Statutory Trust I; Morrill Statutory Trust II; Sheboygan Statutory Trust I, CBNM Capital Trust I, Citywide Capital Trust III, Citywide Capital Trust IV, Citywide Capital Trust V, OCGI Statutory Trust III, OCGI Capital Trust IV, BVBC Capital Trust II, and BVBC Capital Trust III. All of Heartland’s subsidiaries are wholly-owned as of December 31, 2019. The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and prevailing practices within the banking industry. In preparing such financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the balance sheets and revenues and expenses for the years then ended. Actual results could differ significantly from those estimates. A material estimate that is particularly susceptible to significant change relates to the determination of the allowance for loan losses. Business Combinations - Heartland applies the acquisition method of accounting in accordance with the Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 805, Business Combinations. Under the acquisition method, Heartland recognizes assets acquired, including identified intangible assets, and the liabilities assumed in acquisitions at fair value as of the acquisition date, with the acquisition-related transaction costs expensed in the period incurred. Determining the fair value of assets acquired and liabilities assumed often involves estimates based on third-party valuations, such as appraisals, or internal valuations based on discounted cash flow analyses or other valuation techniques that may include estimates of attrition, inflation, asset growth rates, discount rates, multiples of earnings or other relevant factors. In addition, the determination of the useful lives over which an intangible asset will be amortized is subjective. Cash and Cash Equivalents - For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits held at the Federal Reserve Bank, federal funds sold to other banks and other short-term investments. Generally, federal funds are purchased and sold for one-day periods. Trading Securities - Trading securities represent those securities Heartland intends to actively trade and are stated at fair value with changes in fair value reflected in noninterest income. Heartland had no trading securities at both December 31, 2019 and 2018. Debt Securities Available for Sale and Equity Securities - Available for sale securities consist of those securities not classified as held to maturity or trading, which management intends to hold for indefinite periods of time or that may be sold in response to changes in interest rates, prepayments or other similar factors. Available for sale securities are stated at fair value with any unrealized gain or loss, net of applicable income tax, reported as a separate component of stockholders’ equity. Security premiums and discounts are amortized/accreted using the interest method over the period from the purchase date to the expected maturity or call date of the related security. Declines in the fair value of investment securities available for sale (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss, and a new cost basis for the securities is established. In evaluating whether impairment is other-than-temporary, Heartland considers the length of time and extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of Heartland to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value in the near term. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) Heartland has the intent to sell a security; (2) it is more likely than not that Heartland will be required to sell the security before recovery of its amortized cost basis; or (3) Heartland does not expect to recover the entire amortized cost basis of the security. If Heartland intends to sell a security or if it is more likely than not that Heartland will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If Heartland does not intend to sell the security and it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in noninterest income, and an amount related to all other factors, which is recognized in other comprehensive income. Realized securities gains or losses on securities sales (using specific identification method) and declines in value judged to be other-than-temporary are included in impairment loss on securities in the consolidated statements of income. Equity securities include Community Reinvestment Act mutual funds with readily determinable fair values and are carried at fair value. Certain equity securities do not have readily determinable fair values, such as Federal Reserve Bank stock and Federal Home Loan Bank stock, which are held for debt and regulatory purposes and are carried at cost minus impairment, if any, plus or minus changes resulting from observable price changes for the identical or similar investment of the same issuer. Heartland has not recorded any impairment or other adjustments to the carrying amount of these investments during 2019. Securities Held to Maturity - Securities which Heartland has the ability and positive intent to hold to maturity are classified as held to maturity. Such securities are stated at amortized cost, adjusted for premiums and discounts that are amortized/accreted using the interest method over the period from the purchase date to the expected maturity or call date of the related security. Unrealized losses determined to be other-than-temporary are charged to noninterest income. Loans - Interest on loans is accrued and credited to income based primarily on the principal balance outstanding. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Heartland’s policy is to discontinue the accrual of interest income on any loan when, in the opinion of management, there is a reasonable doubt as to the timely collection of the interest and principal, normally when a loan is 90 days past due. When interest accruals are deemed uncollectible, interest credited to income in the current year is reversed and interest accrued in prior years is charged to the allowance for loan losses. A loan can be restored to accrual status if the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments on the loan, and (1) all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within a reasonable period of time, and (2) that there is a sustained period of repayment performance (generally a minimum of six months) by the borrower in accordance with the scheduled contractual terms. Under Heartland’s credit policies, a loan is impaired when, based on current information and events, it is probable that Heartland will be unable to collect all amounts due according to the contractual terms of the agreement. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, except where more practical, at the observable market price of the loan or the fair value of the collateral if the loan is collateral dependent. Net nonrefundable loan origination fees and certain direct costs associated with the lending process are deferred and recognized as a yield adjustment over the life of the related loan. Acquired Loans - The FASB ASC Topic 310-30 establishes accounting standards for acquired loans with deteriorated credit quality. Heartland reviews acquired loans for differences between contractual cash flows and cash flows expected to be collected from initial investment in the acquired loans to determine if those differences are attributable, at least in part, to credit quality. If those differences are attributable to credit quality, the contractually required payments received in excess of the amount of its cash flows expected at acquisition, or nonaccretable discount, is not accreted into income. FASB ASC 310-30 requires that the excess of all cash flows expected at acquisition over the initial investment in the loan be recognized as interest income using the interest method over the term of the loan. This excess is referred to as accretable discount and is recorded as a reduction of the loan balance. When a loan is paid off, the excess of any cash received over the net investment is recorded as interest income. In addition to the amount of purchase discount that is recognized at that time, income may include interest owed by the borrower prior to the acquisition of the loan, interest collected if on nonperforming status, prepayment fees and other loan fees. At acquisition, for purchased loans not subject to ASC 310-30, the purpose of the loan (e.g., business, agricultural or personal), the type of borrower (e.g., business or individual) and the type of collateral for the loan (e.g., commercial real estate, residential real estate, general business assets or unsecured) of each loan are considered in order to assign purchased loans into one of the following five loan pools: commercial, commercial real estate, agricultural and agricultural real estate, residential real estate and consumer. These five pools are separately maintained and tracked for each acquisition, and they are consistent with the five loan categories presented in Note 5, "Loans." For purchased loans not subject to ASC 310-30, the discount, if any, representing the excess of the amount of reasonably estimable and probable discounted future cash collections over the purchase price, is accreted into interest income using the interest method over the weighted average remaining contractual life of the loan pool. Because Heartland uses the pool method as described above, no adjustment is made to the discount of an individual loan on the specific date of a credit event with respect to such loan. Additionally, the discount is not accreted on nonperforming loans. Loans not subject to ASC 310-30 migrate from the purchased loan pools to the regular loan portfolio when the borrower requests to refinance the loan prior to maturity or renews the loan at maturity, and, in either event, signs a new loan agreement. In conjunction with the refinancing or renewal process, the new loan is evaluated in accordance with Heartland’s underwriting standards, and a credit decision is made with respect to whether the new loan should be extended. Troubled Debt Restructured Loans - Loans are considered troubled debt restructured loans ("TDR") if concessions have been granted to borrowers that are experiencing financial difficulty. The concessions granted generally involve the modification of terms of the loan, such as changes in payment schedule or interest rate, which generally would not otherwise be considered. TDRs can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Nonaccrual TDRs are included and treated consistently with all other nonaccrual loans. In addition, all accruing TDRs are reported and accounted for as impaired loans. Generally, TDRs remain on nonaccrual until the customer has attained a sustained period of repayment performance under the modified loan terms (generally a minimum of six months). However, performance prior to the restructuring, or significant events that coincide with the restructuring, are considered in assessing whether the borrower can meet the new terms and whether the loan should be returned to or maintained on accrual status. If the borrower’s ability to meet the revised payment schedule is not reasonably assured, the loan remains on nonaccrual status. A loan that is a TDR that has an interest rate consistent with market rates at the time of restructuring and is in compliance with its modified terms in the calendar year after the year in which the restructuring took place is no longer considered a TDR but remains an impaired loan. To be considered in compliance with its modified terms, a loan that is a TDR must be in accrual status and must be current or less than 30 days past due under the modified repayment terms; however, the loan will continue to be considered impaired. A loan that has been modified at a below market rate will remain classified as a TDR and an impaired loan. If the borrower’s financial conditions improve to the extent that the borrower qualifies for a new loan with market terms, the new loan will not be considered a TDR or impaired if Heartland's credit analysis shows the borrower's ability to perform under scheduled terms. Loans Held for Sale - Loans held for sale are stated at the lower of cost or fair value on an aggregate basis. Gains or losses on sales are recorded in noninterest income. Direct loan origination costs and fees are deferred at origination of the loan. These deferred costs and fees are recognized in noninterest income as part of the gain or loss on sales of loans upon sale of the loan. At December 31, 2019, loans held for sale primarily consisted of 1-4 family residential mortgages. At December 31, 2018, loans held for sale consisted of 1-4 family residential mortgages, loans held for sale in conjunction with pending branch sales, and the loan portfolios of Heartland's consumer finance subsidiaries. Deposits Held for Sale - Deposits held for sale are stated at the lower of cost or fair value on an aggregate basis. Mortgage Servicing and Transfers of Financial Assets - Heartland regularly sells residential mortgage loans to others, primarily government sponsored entities, on a non-recourse basis. Sold loans are not included in the accompanying consolidated balance sheets. Heartland generally retains the right to service the sold loans for a fee. During 2019, the mortgage servicing rights of Dubuque Bank and Trust Company were sold. PrimeWest Mortgage Corporation, a wholly-owned subsidiary of Heartland's First Bank and Trust subsidiary, serviced mortgage loans primarily for government sponsored entities with aggregate unpaid principal balance of $616.7 million and $648.9 million, at December 31, 2019 and 2018, respectively. Allowance for Loan Losses - The allowance for loan losses is maintained at a level estimated by management to provide for known and inherent risks in the loan portfolios. The allowance is based upon a continuing review of past loan loss experience, current economic conditions, volume growth, the underlying collateral value of the loans and other relevant factors. Loans which are deemed uncollectible are charged off and deducted from the allowance. Provisions for loan losses and recoveries on previously charged-off loans are added to the allowance. Reserve for Unfunded Commitments - This reserve is maintained at a level that, in the opinion of management, is appropriate to absorb probable losses associated with Heartland’s commitment to lend funds under existing agreements such as letters or lines of credit. Management determines the appropriateness of the reserve for unfunded commitments based upon reviews of delinquencies, current economic conditions, the risk characteristics of the various categories of commitments and other relevant factors. The reserve is based on estimates, and ultimate losses may vary from the current estimates. These estimates are evaluated on a regular basis and, as adjustments become necessary, they are reported in earnings in the periods in which they become known. Provisions for unfunded commitment losses are added to the reserve for unfunded commitments, which is included in the Accrued Expenses and Other Liabilities section of the consolidated balance sheets. Premises, Furniture and Equipment, net - Premises, furniture and equipment are stated at cost less accumulated depreciation. The provision for depreciation of premises, furniture and equipment is determined by straight-line and accelerated methods over the estimated useful lives of 18 to 39 years for buildings, 15 years for land improvements and 3 to 7 years for furniture and equipment. Premises, Furniture and Equipment Held for Sale - Premises, furniture and equipment are stated at the estimated fair value less disposal costs. Subsequent write-downs and gains or losses on the sales are recorded to loss on sales/valuation of assets, net. Other Real Estate - Other real estate represents property acquired through foreclosures and settlements of loans. Property acquired is recorded at the estimated fair value of the property less disposal costs. The excess of carrying value over fair value less disposal costs is charged against the allowance for loan losses. Subsequent write downs estimated on the basis of later valuations and gains or losses on sales are charged to loss on sales/valuation of assets, net. Expenses incurred in maintaining such properties are charged to other real estate and loan collection expenses. Goodwill - Goodwill represents the excess of the purchase price of acquired subsidiaries’ net assets over their fair value at the purchase date. Heartland assesses goodwill for impairment annually, and more frequently if events occur which may indicate possible impairment, and assesses goodwill at the reporting unit level, also giving consideration to overall enterprise value as part of that assessment. In evaluating goodwill for impairment, Heartland first assesses qualitative factors to determine whether it is more likely than not (that is, a likelihood of more than 50%) that the fair value of a reporting unit is less than its carrying amount. If Heartland concludes that it is more likely than not that the fair value of a reporting unit is more than its carrying value, then no further testing of goodwill assigned to the reporting unit is required. However, if Heartland concludes that it is more likely than not that the fair value of a reporting unit is less than its carrying value, then Heartland performs a two-step goodwill impairment test to identify potential goodwill impairment and measure the amount of goodwill impairment to recognize, if any. In the first step, the fair value of a reporting unit is compared to its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, goodwill is not considered impaired and it is not necessary to continue to step two of the impairment process. If the fair value of the reporting unit is less than the carrying amount, step two is performed. In step two, the implied fair value of goodwill is compared to the carrying value of the reporting unit's goodwill. The implied fair value of goodwill is computed as a residual value after allocating the fair value of the reporting unit to its assets and liabilities. Heartland estimates the fair value of its reporting units using market multiples of comparable entities, including recent transactions, or a combination of market multiples and discounted cash flow methodology. These methods incorporate assumptions specific to the entity, such as the use of financial forecasts. Core Deposit Intangibles and Customer Relationship Intangibles, Net - Core deposit intangibles are amortized over 8 to 18 years on an accelerated basis. Customer relationship intangibles are amortized over 22 years on an accelerated basis. Annually, Heartland reviews these intangible assets for events or circumstances that may indicate a change in the recoverability of the underlying basis. Servicing Rights, Net - Mortgage and commercial servicing rights associated with loans originated and sold, where servicing is retained, are initially capitalized at fair value and recorded on the consolidated statements of income as a component of gains on sale of loans held for sale. The values of these capitalized servicing rights are amortized as an offset to the loan servicing income earned in relation to the servicing revenue expected to be earned. The carrying values of these rights are reviewed quarterly for impairment based on the calculation of their fair value as performed by an outside third party. For purposes of measuring impairment, the rights are stratified into certain risk characteristics including loan type and loan term. As of December 31, 2019, a valuation allowance of $114,000 was required on Heartland's mortgage servicing rights with an original term of 15 years, and a valuation allowance of $797,000 was required on Heartland's mortgage servicing rights with an original term of 30 years. At December 31, 2018, a valuation allowance of $20,000 was required on Heartland's mortgage servicing rights with an original term of 15 years, and a valuation allowance of $38,000 was required on Heartland's mortgage servicing rights with an original term of 30 years. Cash Surrender Value on Life Insurance - Heartland and its subsidiaries have purchased life insurance policies on the lives of certain officers. The one-time premiums paid for the policies, which coincide with the initial cash surrender value, are recorded as an asset. Increases or decreases in the cash surrender value, other than proceeds from death benefits, are recorded as noninterest income in income on bank owned life insurance. Proceeds from death benefits first reduce the cash surrender value attributable to the individual policy and then any additional proceeds are recorded in other noninterest income. Income Taxes - Heartland and its subsidiaries file a consolidated federal income tax return and separate or combined income or franchise tax returns as required by the various states. Heartland recognizes certain income and expenses in different time periods for financial reporting and income tax purposes. The provision for deferred income taxes is based on an asset and liability approach and represents the change in deferred income tax accounts during the year, including the effect of enacted tax rate changes. A valuation allowance is provided to reduce deferred tax assets if their expected realization is deemed not to be more likely than not. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. Heartland recognizes interest and penalties related to income tax matters in income tax expense. Derivative Financial Instruments - Heartland uses derivative financial instruments as part of its interest rate risk management, which includes interest rate swaps, certain interest rate lock commitments and forward sales of securities related to mortgage banking activities. FASB ASC Topic 815 establishes accounting and reporting standards for derivative instruments, including certain derivative instruments embedded in other contracts, and for hedging activities. As required by ASC 815, Heartland records all derivatives on the consolidated balance sheets at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting designation. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. To qualify for hedge accounting, Heartland must comply with the detailed rules and documentation requirements at the inception of the hedge, and hedge effectiveness is assessed at inception and periodically throughout the life of each hedging relationship. Hedge ineffectiveness, if any, is measured periodically throughout the life of the hedging relationship. For derivatives designated as cash flow hedges, the effective portion of changes in the fair value of the derivative is initially reported in other comprehensive income (loss) and subsequently reclassified to interest income or expense when the hedged transaction affects earnings, while the ineffective portion of changes in the fair value of the derivative, if any, is recognized immediately in other noninterest income. Heartland assesses the effectiveness of each hedging relationship by comparing the cumulative changes in cash flows of the derivative hedging instrument with the cumulative changes in cash flows of the designated hedged item or transaction. No component of the change in the fair value of the hedging instrument is excluded from the assessment of hedge effectiveness. Heartland has fair value hedging relationships at December 31, 2019. Heartland uses hedge accounting in accordance with ASC 815, with the unrealized gains and losses, representing the change in fair value of the derivative and the change in fair value of the risk being hedged on the related loan, being recorded in the consolidated statements of income. The ineffective portions of the unrealized gains or losses, if any, are recorded in interest income and interest expense in the consolidated statements of income. Heartland uses statistical regression to assess hedge effectiveness, both at the inception of the hedge as well as on a continual basis. The regression analysis involves regressing the periodic change in fair value of the hedging instrument against the periodic changes in the fair value of the asset being hedged due to changes in the hedge risk. Heartland does not use derivatives for trading or speculative purposes. Derivatives not designated as hedges are not speculative and are used to manage Heartland’s exposure to interest rate movements and other identified risks, but do not meet the strict hedge accounting requirements of ASC 815. Mortgage Derivatives - Heartland uses interest rate lock commitments to originate residential mortgage loans held for sale and forward commitments to sell residential mortgage loans and mortgage backed securities. These commitments are considered derivative instruments. The fair value of these commitments is recorded on the consolidated balance sheets with the changes in fair value recorded in the consolidated statements of income as a component of gains on sale of loans held for sale. These derivative contracts are designated as free standing derivative contracts and are not designated against specific assets and liabilities on the consolidated balance sheets or forecasted transactions and therefore do not qualify for hedge accounting treatment. Fair Value Measurements - Fair value represents the estimated price at which an orderly transaction to sell an asset or transfer a liability would take place between market participants at the measurement date under current market conditions (i.e. an exit price concept). Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using discounted cash flow or other valuation techniques. Inputs into the valuation methods are subjective in nature, involve uncertainties, and require significant judgment and therefore cannot be determined with precision. Accordingly, the derived fair value estimates presented herein are not necessarily indicative of the amounts Heartland could realize in a current market exchange. Assets and liabilities are categorized into three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine the fair value. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy in which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. Heartland's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. Below is a brief description of each fair value level: Level 1 — Valuation is based upon quoted prices for identical instruments in active markets. Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 — Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. Treasury Stock - Treasury stock is accounted for by the cost method, whereby shares of common stock reacquired are recorded at their purchase price. When treasury stock is reissued, any difference between the sales proceeds, or fair value when issued for business combinations, and the cost is recognized as a charge or credit to capital surplus. Trust Department Assets - Property held for customers in fiduciary or agency capacities is not included in the accompanying consolidated balance sheets because such items are not assets of the Heartland banks. Earnings Per Share - Basic earnings per share is determined using net income available to common stockholders and weighted average common shares outstanding. Diluted earnings per share is computed by dividing net income available to common stockholders by the weighted average common shares and assumed incremental common shares issued. Amounts used in the determination of basic and diluted earnings per share for the years ended December 31, 2019, 2018 and 2017, are shown in the table below: (Dollars and number of shares in thousands, except per share data) 2019 2018 2017 Net income attributable to Heartland $ 149,129 $ 116,998 $ 75,272 Preferred dividends — (39) (58) Interest expense on convertible preferred debt — — 12 Net income available to common stockholders $ 149,129 $ 116,959 $ 75,226 Weighted average common shares outstanding for basic earnings per share 35,991 33,012 28,168 Assumed incremental common shares issued upon vesting of restricted stock units 71 201 258 Weighted average common shares for diluted earnings per share 36,062 33,213 28,426 Earnings per common share — basic $ 4.14 $ 3.54 $ 2.67 Earnings per common share — diluted $ 4.14 $ 3.52 $ 2.65 Subsequent Events - Heartland has evaluated subsequent events that may require recognition or disclosure through the

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2019
Business Combinations [Abstract]
Acquisitions	ACQUISITIONS Pending Acquisition AIM Bancshares, Inc. On February 11, 2020, Heartland entered into a definitive merger agreement to acquire AIM Bancshares, Inc., and its wholly-owned subsidiary, AimBank, headquartered in Levelland, Texas. As of the announcement date, the shares of Heartland common stock to be issued in the transaction along with cash to be paid to holders of AIM Bancshares, Inc. common stock and the cash to be paid to holders of in-the-money options to purchase AIM Bancshares, Inc. common stock, had an aggregate value of approximately $280.4 million. Simultaneous with the closing of the transaction, AimBank will merge into Heartland's Texas-based subsidiary, First Bank & Trust, and the combined entity will operate as First Bank & Trust. The amount of the merger consideration is subject to fluctuations in the price of Heartland common stock and certain potential adjustments, and the transaction is subject to customary closing conditions. As of December 31, 2019, AimBank had total assets of $1.78 billion, $1.16 billion of net loans outstanding, and $1.54 billion of deposits. Because the merger agreement was signed on February 11, 2020, and the transaction is expected to close in the third quarter of 2020, the transaction has no impact on Heartland's 2019 consolidated financial statements. Rockford Bank and Trust Company On November 30, 2019, Heartland's Illinois Bank & Trust subsidiary completed its acquisition of substantially all of the assets and substantially all of the deposits and certain other liabilities of Rockford Bank and Trust Company, headquartered in Rockford, Illinois. Rockford Bank and Trust Company was a wholly-owned subsidiary of Moline, Illinois-based QCR Holdings, Inc. As of the closing date, Rockford Bank and Trust Company had, at fair value, total assets of $495.7 million, which included $354.0 million of gross loans held to maturity, and $430.3 million of deposits. The all-cash payment was approximately $46.6 million. Blue Valley Ban Corp. On May 10, 2019, Heartland completed the acquisition of Blue Valley Ban Corp. and its wholly-owned subsidiary, Bank of Blue Valley, headquartered in Overland Park, Kansas. Based on Heartland's closing common stock price of $44.78 per share on May 10, 2019, the aggregate consideration paid to Blue Valley Ban Corp. common shareholders was $92.3 million, which was paid by delivery of 2,060,258 shares of Heartland common stock. On the closing date, in addition to this merger consideration, Heartland provided Blue Valley Ban Corp. the funds necessary to repay outstanding debt of $6.9 million, and Heartland assumed $16.1 million of trust preferred securities at fair value. Immediately following the closing of the transaction, Bank of Blue Valley was merged with and into Heartland's wholly-owned Kansas subsidiary, Morrill & Janes Bank and Trust Company, and the combined entity operates under the Bank of Blue Valley brand. As of the closing date, Blue Valley Ban Corp. had, at fair value, total assets of $766.2 million, total loans held to maturity of $542.0 million, and total deposits of $617.1 million. The transaction was a tax-free reorganization with respect to the stock consideration received by the stockholders of Blue Valley Ban Corp. Signature Bancshares, Inc. On February 23, 2018, Heartland completed the acquisition of Signature Bancshares, Inc., parent company of Signature Bank, headquartered in Minnetonka, Minnesota. Under the terms of the definitive merger agreement, Heartland acquired Signature Bancshares, Inc. in a transaction valued at approximately $61.4 million, of which $7.8 million was cash, and the remainder was settled by delivery of 1,000,843 shares of Heartland common stock. Simultaneous with the close, Signature Bank merged into Heartland's wholly-owned Minnesota Bank & Trust subsidiary, and the combined entity operates under the Minnesota Bank & Trust brand name. The transaction included, at fair value, total assets of $427.1 million, including $324.5 million of gross loans held to maturity, and deposits of $357.3 million. On the closing date, Heartland provided Signature Bancshares, Inc. the funds necessary to repay outstanding subordinated debt of $5.9 million. The transaction was a tax-free reorganization with respect to the stock consideration received by the stockholders of Signature Bancshares, Inc. First Bank Lubbock Bancshares, Inc. On May 18, 2018, Heartland completed the acquisition of Lubbock, Texas based First Bank Lubbock Bancshares, Inc., parent company of First Bank & Trust, and PrimeWest Mortgage Corporation, which is a wholly-owned subsidiary of First Bank & Trust. Under the terms of the definitive merger agreement, Heartland acquired FBLB in a transaction valued at approximately $189.9 million, of which $5.5 million was cash, and the remainder was settled by delivery of 3,350,664 shares of Heartland common stock. On the closing date, in addition to this merger consideration, Heartland provided First Bank Lubbock Bancshares, Inc. the funds necessary to repay outstanding debt of $3.9 million, and Heartland assumed $8.2 million of trust preferred securities at fair value. Immediately after the close of the transaction, Heartland paid $13.3 million to the holders of First Bank Lubbock Bancshares Inc.'s stock appreciation rights. The transaction included, at fair value, total assets of $1.12 billion, including $681.1 million of gross loans held to maturity, and deposits of $893.8 million. Upon closing of the transaction, First Bank & Trust became a wholly-owned subsidiary of Heartland and continues to operate under its current name and management team as Heartland's eleventh state-chartered bank. The transaction was a tax-free reorganization with respect to the stock consideration received by the stockholders of First Bank Lubbock Bancshares, Inc. The assets and liabilities of First Bank Lubbock Bancshares, Inc. were recorded on the consolidated balance sheet at the estimated fair value on the acquisition date. The following table represents, in thousands, the amounts recorded on the consolidated balance sheet as of May 18, 2018: As of May 18, 2018 Fair value of consideration paid: Common stock (3,350,664 shares) $ 184,454 Cash 5,451 Total consideration paid 189,905 Fair value of assets acquired Cash and cash equivalents 212,105 Securities: Carried at fair value 1,788 Other securities 3,268 Loans held for sale 31,050 Loans held to maturity 681,080 Premises, furniture and equipment, net 23,271 Other real estate, net 379 Mortgage servicing rights 6,995 Core deposit intangibles and customer relationships, net 13,908 Cash surrender value on life insurance 14,997 Other assets 7,185 Total assets 996,026 Fair value of liabilities assumed Deposits 893,827 Other borrowings 12,077 Other liabilities 21,580 Total liabilities assumed 927,484 Fair value of net assets acquired 68,542 Goodwill resulting from acquisition $ 121,363 Heartland recognized $121.4 million of goodwill in conjunction with the acquisition of First Bank Lubbock Bancshares, Inc., which is calculated as the excess of both the consideration exchanged and the liabilities assumed as compared to the fair value of identifiable assets acquired. Goodwill resulted from the expected operational synergies, enhanced market area, cross-selling opportunities and expanded business lines. See Note 6 for further information on goodwill. Heartland incurred $1.1 million of pre-tax merger related expenses in the year ended December 31, 2018, associated with the First Bank Lubbock Bancshares, Inc. acquisition. The merger expenses are reflected on the consolidated statements of income for the applicable period and are reported primarily in the categories of professional fees and other noninterest expenses. Acquired loans were preliminarily recorded at fair value based on a discounted cash flow valuation methodology that considers, among other things, projected default rates, loss given defaults and recovery rates. No allowance for credit losses was carried over from the acquisition. The balance of nonaccrual loans on the acquisition date was $7.6 million.

Cash and Due from Banks

Cash and Due from Banks	12 Months Ended
	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Cash and Due from Banks	CASH AND DUE FROM BANKS The Heartland banks are required to maintain certain average cash reserve balances as a non-member bank of the Federal Reserve System. The reserve balance requirements at December 31, 2019 and 2018, were $46.8 million and $15.2 million, respectively.

Securities

Securities	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Securities	SECURITIES The amortized cost, gross unrealized gains and losses and estimated fair values of debt securities available for sale and equity securities with a readily determinable fair value as of December 31, 2019, and December 31, 2018, are summarized in the table below, in thousands: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 U.S. government corporations and agencies $ 9,844 $ 49 $ — $ 9,893 Mortgage and asset-backed securities 2,579,081 17,200 (19,003) 2,577,278 Obligations of states and political subdivisions 704,073 12,516 (9,399) 707,190 Total debt securities 3,292,998 29,765 (28,402) 3,294,361 Equity securities with a readily determinable fair value 18,435 — — 18,435 Total $ 3,311,433 $ 29,765 $ (28,402) $ 3,312,796 December 31, 2018 U.S. government corporations and agencies $ 32,075 $ 3 $ (127) $ 31,951 Mortgage and asset-backed securities 2,061,358 3,740 (38,400) 2,026,698 Obligations of states and political subdivisions 382,101 919 (8,046) 374,974 Total debt securities 2,475,534 4,662 (46,573) 2,433,623 Equity securities 17,086 — — 17,086 Total $ 2,492,620 $ 4,662 $ (46,573) $ 2,450,709 On January 1, 2019, Heartland adopted ASU 2017-12, and as a result of the adoption, $148.0 million of held to maturity debt securities were transferred to debt securities available for sale. The securities were transferred at book value on the date of the transfer. Equity securities include money market accounts that totaled $18.4 million at carrying value and $18.4 million at fair value at December 31, 2019. The portion of unrealized net gains on equity securities recognized in current earnings during 2019, which related to securities still held at December 31, 2019, totaled $525,000. The amortized cost, gross unrealized gains and losses and estimated fair values of held to maturity securities as of December 31, 2019, and December 31, 2018, are summarized in the table below, in thousands: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 Obligations of states and political subdivisions $ 91,324 $ 9,160 $ — $ 100,484 Total $ 91,324 $ 9,160 $ — $ 100,484 December 31, 2018 Obligations of states and political subdivisions $ 236,283 $ 9,554 $ (496) $ 245,341 Total $ 236,283 $ 9,554 $ (496) $ 245,341 No transfers from available for sale to held to maturity were made in 2019 or 2018. The amortized cost and estimated fair value of investment securities carried at fair value at December 31, 2019, by contractual maturity are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties. December 31, 2019 Amortized Cost Estimated Fair Value Due in 1 year or less $ 12,121 $ 12,171 Due in 1 to 5 years 28,111 28,434 Due in 5 to 10 years 76,299 77,942 Due after 10 years 597,386 598,536 Total debt securities 713,917 717,083 Mortgage and asset-backed securities 2,579,081 2,577,278 Equity securities with a readily determinable fair value 18,435 18,435 Total investment securities $ 3,311,433 $ 3,312,796 The amortized cost and estimated fair value of debt securities held to maturity at December 31, 2019, by contractual maturity are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties. December 31, 2019 Amortized Cost Estimated Fair Value Due in 1 year or less $ 2,443 $ 2,472 Due in 1 to 5 years 17,604 18,153 Due in 5 to 10 years 59,708 64,775 Due after 10 years 11,569 15,084 Total investment securities $ 91,324 $ 100,484 As of December 31, 2019, securities with a carrying value of $509.6 million were pledged to secure public and trust deposits, short-term borrowings and for other purposes as required and permitted by law. Gross gains and losses realized related to sales of securities carried at fair value for the years ended December 31, 2019, 2018 and 2017 are summarized as follows, in thousands: 2019 2018 2017 Available for Sale Securities sold: Proceeds from sales $ 1,628,467 $ 727,895 $ 1,456,750 Gross security gains 11,774 3,661 10,585 Gross security losses 4,115 2,576 3,812 The following tables summarize, in thousands, the amount of unrealized losses, defined as the amount by which cost or amortized cost exceeds fair value, and the related fair value of investments with unrealized losses in Heartland's securities portfolio as of December 31, 2019, and December 31, 2018. The investments were segregated into two categories: those that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months. The reference point for determining how long an investment was in an unrealized loss position w as December 31, 2019, and December 31, 2018, respectively. Securities for which Heartland has taken credit-related other-than-temporary impairment ("OTTI") write-downs are categorized as being "less than 12 months" or "12 months or longer" in a continuous loss position based on the point in time that the fair value declined to below the cost basis and not the period of time since the credit-related OTTI write-down. Debt securities available for sale Less than 12 months 12 months or longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 U.S. government corporations and agencies $ — $ — $ — $ — $ — $ — Mortgage and asset-backed securities 1,231,732 (14,189) 241,232 (4,814) 1,472,964 (19,003) Obligations of states and political subdivisions 387,534 (9,399) — — 387,534 (9,399) Total temporarily impaired securities $ 1,619,266 $ (23,588) $ 241,232 $ (4,814) $ 1,860,498 $ (28,402) December 31, 2018 U.S. government corporations and agencies $ 24,902 $ (83) $ 4,577 $ (44) $ 29,479 $ (127) Mortgage and asset-backed securities 733,826 (9,060) 805,089 (29,340) 1,538,915 (38,400) Obligations of states and political subdivisions 34,990 (390) 258,143 (7,656) 293,133 (8,046) Total temporarily impaired securities $ 793,718 $ (9,533) $ 1,067,809 $ (37,040) $ 1,861,527 $ (46,573) Securities held to maturity Less than 12 months 12 months or longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 Obligations of states and political subdivisions $ — $ — $ — $ — $ — $ — Total temporarily impaired securities $ — $ — $ — $ — $ — $ — December 31, 2018 Obligations of states and political subdivisions $ 10,802 $ (17) $ 19,508 $ (479) $ 30,310 $ (496) Total temporarily impaired securities $ 10,802 $ (17) $ 19,508 $ (479) $ 30,310 $ (496) Heartland reviews the investment securities portfolio on a quarterly basis to monitor its exposure to OTTI. A determination as to whether a security's decline in fair value is other-than-temporary takes into consideration numerous factors and the relative significance of any single factor can vary by security. Some factors Heartland may consider in the OTTI analysis include the length of time the security has been in an unrealized loss position, changes in security ratings, financial condition of the issuer, as well as security and industry specific economic conditions. In addition, with regard to debt securities, Heartland may also evaluate payment structure, whether there are defaulted payments or expected defaults, prepayment speeds and the value of any underlying collateral. For certain debt securities in unrealized loss positions, Heartland prepares cash flow analyses to compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. There were no gross realized gains or losses on the sale of securities carried at fair value or held to maturity securities with OTTI write-downs for the periods ended December 31, 2019, 2018, and 2017. Included in other securities were shares of stock in each Federal Home Loan Bank (the "FHLB") of Des Moines, Chicago, Dallas, San Francisco and Topeka at an amortized cost of $16.8 million at December 31, 2019 and $16.6 million at December 31, 2018. The Heartland banks are required to maintain FHLB stock as members of the various FHLBs as required by these institutions. These equity securities are "restricted" in that they can only be sold back to the respective institutions or another member institution at par. Therefore, they are less liquid than other marketable equity securities and their fair value approximates amortized cost. Heartland considers its FHLB stock as a long-term investment that provides access to competitive products and liquidity. Heartland evaluates impairment in these investments based on the ultimate recoverability of the par value and at December 31, 2019, did not consider the investments to be other than temporarily impaired.

Loans

Loans	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Loans	LOANS Loans as of December 31, 2019, and December 31, 2018, were as follows, in thousands: December 31, 2019 December 31, 2018 Loans receivable held to maturity: Commercial $ 2,419,909 $ 2,020,231 Commercial real estate 4,370,549 3,711,481 Agricultural and agricultural real estate 533,064 565,408 Residential real estate 597,742 673,603 Consumer 452,233 440,158 Gross loans receivable held to maturity 8,373,497 7,410,881 Unearned discount (680) (1,624) Deferred loan fees (4,900) (1,560) Total net loans receivable held to maturity 8,367,917 7,407,697 Allowance for loan losses (70,395) (61,963) Loans receivable, net $ 8,297,522 $ 7,345,734 Heartland has certain lending policies and procedures in place that are designed to provide for an acceptable level of credit risk. The board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management and the board with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans. See Note 1 for Heartland's accounting policy for loans. Heartland originates commercial and commercial real estate loans for a wide variety of business purposes, including lines of credit for capital and operating purposes and term loans for real estate and equipment purchases. Agricultural loans provide financing for capital improvements and farm operations, as well as livestock and machinery purchases. Residential mortgage loans are originated for the construction, purchase or refinancing of single family residential properties. Consumer loans include loans for motor vehicles, home improvement, home equity and personal lines of credit. Under Heartland’s credit practices, a loan is impaired when, based on current information and events, it is probable that Heartland will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, except where more practical, at the observable market price of the loan or the fair value of the collateral if the loan is collateral dependent. The following table shows the balance in the allowance for loan losses at December 31, 2019, and December 31, 2018, and the related loan balances, disaggregated on the basis of impairment methodology, in thousands. Loans evaluated under ASC 310-10-35 include loans on nonaccrual status and troubled debt restructurings, which are individually evaluated for impairment, and other impaired loans deemed to have similar risk characteristics. All other loans are collectively evaluated for impairment under ASC 450-20. Heartland has made no changes to the accounting for the allowance for loan losses policy during 2019 or 2018. Allowance For Loan Losses Gross Loans Receivable Held to Maturity Ending Balance Under ASC 310-10-35 Ending Balance Under ASC 450-20 Total Ending Balance Evaluated for Impairment Under ASC 310-10-35 Ending Balance Evaluated for Impairment Under ASC 450-20 Total December 31, 2019 Commercial $ 6,245 $ 21,499 $ 27,744 $ 24,438 $ 2,395,471 $ 2,419,909 Commercial real estate 451 30,292 30,743 18,652 4,351,897 4,370,549 Agricultural and agricultural real estate 916 4,701 5,617 22,686 510,378 533,064 Residential real estate 110 1,328 1,438 16,740 581,002 597,742 Consumer 450 4,403 4,853 4,536 447,697 452,233 Total $ 8,172 $ 62,223 $ 70,395 $ 87,052 $ 8,286,445 $ 8,373,497 December 31, 2018 Commercial $ 5,733 $ 18,772 $ 24,505 $ 24,202 $ 1,996,029 $ 2,020,231 Commercial real estate 218 25,320 25,538 14,388 3,697,093 3,711,481 Agricultural and agricultural real estate 686 4,267 4,953 15,951 549,457 565,408 Residential real estate 168 1,617 1,785 20,251 653,352 673,603 Consumer 749 4,433 5,182 7,004 433,154 440,158 Total $ 7,554 $ 54,409 $ 61,963 $ 81,796 $ 7,329,085 $ 7,410,881 The following table presents nonaccrual loans, accruing loans past due 90 days or more and troubled debt restructured loans at December 31, 2019, and December 31, 2018, in thousands: December 31, 2019 December 31, 2018 Nonaccrual loans $ 72,754 $ 67,833 Nonaccrual troubled debt restructured loans 3,794 4,110 Total nonaccrual loans $ 76,548 $ 71,943 Accruing loans past due 90 days or more $ 4,105 $ 726 Performing troubled debt restructured loans $ 3,794 $ 4,026 Heartland had $7.6 million of troubled debt restructured loans at December 31, 2019, of which $3.8 million were classified as nonaccrual and $3.8 million were accruing according to the restructured terms. Heartland had $8.1 million of troubled debt restructured loans at December 31, 2018, of which $4.1 million were classified as nonaccrual and $4.0 million were accruing according to the restructured terms. The following table provides information on troubled debt restructured loans that were modified during the years ended December 31, 2019, and December 31, 2018, in thousands: For the Years Ended December 31, 2019 December 31, 2018 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Commercial 1 $ 40 $ 40 — $ — $ — Commercial real estate — — — — — — Total commercial and commercial real estate 1 40 40 — — — Agricultural and agricultural real estate — — — — — — Residential real estate 6 623 649 16 2,843 2,559 Consumer — — — — — — Total 7 $ 663 $ 689 16 $ 2,843 $ 2,559 The pre-modification and post-modification recorded investment represents amounts as of the date of loan modification. The difference between the pre-modification investment and post-modification investment amounts on Heartland’s residential real estate troubled debt restructured loans is due to principal deferment collected from government guarantees and capitalized interest and escrow. At December 31, 2019, there were no commitments to extend credit to any of the borrowers with an existing TDR. The following table provides information on troubled debt restructured loans for which there was a payment default during the years ended December 31, 2019, and December 31, 2018, in thousands, that had been modified during the 12-month period prior to the default: With Payment Defaults During the Following Periods For the Years Ended December 31, 2019 December 31, 2018 Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial — $ — — $ — Commercial real estate — — — — Total commercial and commercial real estate — — — — Agricultural and agricultural real estate — — — — Residential real estate 2 210 7 1,036 Consumer — — — — Total 2 $ 210 7 $ 1,036 Heartland's internal rating system is a series of grades reflecting management's risk assessment, based on its analysis of the borrower's financial condition. The "pass" category consists of all loans that are not in the "nonpass" category, categorized into a range of loan grades that reflect increasing, though still acceptable, risk. Movement of risk through the various grade levels in the pass category is monitored for early identification of credit deterioration. The "nonpass" category consists of special mention, substandard, doubtful and loss loans. The "special mention" rating is attached to loans where the borrower exhibits negative financial trends due to borrower specific or systemic conditions that, if left uncorrected, threaten its capacity to meet its debt obligations. The borrower is believed to have sufficient financial flexibility to react to and resolve its negative financial situation. These credits are closely monitored for improvement or deterioration. The "substandard" rating is assigned to loans that are inadequately protected by the current sound net worth and paying capacity of the borrower and may be further at risk due to deterioration in the value of collateral pledged. Well-defined weaknesses jeopardize liquidation of the debt. These loans are still considered collectible, however, a distinct possibility exists that Heartland will sustain some loss if deficiencies are not corrected. Substandard loans may exhibit some or all of the following weaknesses: deteriorating trends, lack of earnings, inadequate debt service capacity, excessive debt and/or lack of liquidity. The "doubtful" rating is assigned to loans where identified weaknesses make collection or liquidation in full, on the basis of existing facts, conditions and values, highly questionable and improbable. These borrowers are usually in default, lack liquidity and capital, as well as resources necessary to remain an operating entity. Specific pending events, such as capital injections, liquidations or perfection of liens on additional collateral, may strengthen the credit, thus deferring classification of the loan as loss until exact status can be determined. The "loss" rating is assigned to loans considered uncollectible. As of December 31, 2019, Heartland had no loans classified as doubtful and no loans classified as loss. Loans are placed on "nonaccrual" when management does not expect to collect payments of principal and interest in full or when principal or interest has been in default for a period of 90 days or more, unless the loan is both well secured and in the process of collection. The following table presents loans by credit quality indicator at December 31, 2019, and December 31, 2018, in thousands: Pass Nonpass Total December 31, 2019 Commercial $ 2,251,115 $ 168,794 $ 2,419,909 Commercial real estate 4,141,436 229,113 4,370,549 Total commercial and commercial real estate 6,392,551 397,907 6,790,458 Agricultural and agricultural real estate 415,455 117,609 533,064 Residential real estate 569,401 28,341 597,742 Consumer 439,321 12,912 452,233 Total gross loans receivable held to maturity $ 7,816,728 $ 556,769 $ 8,373,497 December 31, 2018 Commercial $ 1,880,579 $ 139,652 $ 2,020,231 Commercial real estate 3,524,344 187,137 3,711,481 Total commercial and commercial real estate 5,404,923 326,789 5,731,712 Agricultural and agricultural real estate 471,642 93,766 565,408 Residential real estate 645,478 28,125 673,603 Consumer 425,451 14,707 440,158 Total gross loans receivable held to maturity $ 6,947,494 $ 463,387 $ 7,410,881 The nonpass category in the table above is comprised of approximately 60% special mention and 40% substandard as of December 31, 2019. The percentage of nonpass loans on nonaccrual status as of December 31, 2019, was 14%. As of December 31, 2018, the nonpass category in the table above was comprised of approximately 52% special mention and 48% substandard. The percentage of nonpass loans on nonaccrual status as of December 31, 2018, was 16%. Loans delinquent 30-89 days as a percentage of total loans were 0.33% at December 31, 2019, and 0.21% at December 31, 2018. Changes in credit risk are monitored on a continuous basis and changes in risk ratings are made when identified. All impaired loans are reviewed at least annually. As of December 31, 2019, Heartland had $2.7 million of loans secured by residential real estate property that were in the process of foreclosure. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Heartland’s policy is to discontinue the accrual of interest income on any loan when, in the opinion of management, there is a reasonable doubt as to the timely collection of the interest and principal, normally when a loan is 90 days past due. When interest accruals are deemed uncollectible, interest credited to income in the current year is reversed and interest accrued in prior years is charged to the allowance for loan losses. A loan can be restored to accrual status if the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments on the loan, and (1) all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within a reasonable period of time, and (2) that there is a sustained period of repayment performance (generally a minimum of six months) by the borrower in accordance with the scheduled contractual terms. The following table sets forth information regarding Heartland's accruing and nonaccrual loans at December 31, 2019, and December 31, 2018, in thousands: Accruing Loans 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Nonaccrual Total Loans December 31, 2019 Commercial $ 5,075 $ 726 $ 3,899 $ 9,700 $ 2,384,637 $ 25,572 $ 2,419,909 Commercial real estate 9,457 1,012 84 10,553 4,348,672 11,324 4,370,549 Total commercial and commercial real estate 14,532 1,738 3,983 20,253 6,733,309 36,896 6,790,458 Agricultural and agricultural real estate 3,734 209 26 3,969 504,419 24,676 533,064 Residential real estate 4,382 72 96 4,550 582,257 10,935 597,742 Consumer 2,674 482 — 3,156 445,036 4,041 452,233 Total gross loans receivable held to maturity $ 25,322 $ 2,501 $ 4,105 $ 31,928 $ 8,265,021 $ 76,548 $ 8,373,497 December 31, 2018 Commercial $ 2,574 $ 205 $ — $ 2,779 $ 1,991,525 $ 25,927 $ 2,020,231 Commercial real estate 4,819 — 726 5,545 3,694,259 11,677 3,711,481 Total commercial and commercial real estate 7,393 205 726 8,324 5,685,784 37,604 5,731,712 Agricultural and agricultural real estate 99 — — 99 549,376 15,933 565,408 Residential real estate 5,147 49 — 5,196 655,329 13,078 673,603 Consumer 2,724 307 — 3,031 431,799 5,328 440,158 Total gross loans receivable held to maturity $ 15,363 $ 561 $ 726 $ 16,650 $ 7,322,288 $ 71,943 $ 7,410,881 The majority of Heartland's impaired loans are those that are nonaccrual, are past due 90 days or more and still accruing or have had their terms restructured in a troubled debt restructuring. The following tables present the unpaid principal balance that was contractually due at December 31, 2019, and December 31, 2018, the outstanding loan balance recorded on the consolidated balance sheets at December 31, 2019, and December 31, 2018, any related allowance recorded for those loans as of December 31, 2019, and December 31, 2018, the average outstanding loan balance recorded on the consolidated balance sheets during the years ended December 31, 2019, and December 31, 2018, and the interest income recognized on the impaired loans during the year ended December 31, 2019, and year ended December 31, 2018, in thousands: Unpaid Principal Balance Loan Balance Related Allowance Recorded Year-to-Date Avg. Loan Balance Year-to-Date Interest Income Recognized December 31, 2019 Impaired loans with a related allowance: Commercial $ 11,696 $ 11,679 $ 6,245 $ 11,757 $ 6 Commercial real estate 1,319 1,319 451 1,435 22 Total commercial and commercial real estate 13,015 12,998 6,696 13,192 28 Agricultural and agricultural real estate 2,750 2,237 916 2,739 — Residential real estate 927 927 110 1,116 — Consumer 1,029 1,027 450 1,170 11 Total loans held to maturity $ 17,721 $ 17,189 $ 8,172 $ 18,217 $ 39 Impaired loans without a related allowance: Commercial $ 15,180 $ 12,759 $ — $ 12,831 $ 740 Commercial real estate 17,413 17,333 — 16,798 471 Total commercial and commercial real estate 32,593 30,092 — 29,629 1,211 Agricultural and agricultural real estate 23,245 20,449 — 16,837 60 Residential real estate 15,824 15,813 — 17,073 280 Consumer 3,509 3,509 — 4,182 45 Total loans held to maturity $ 75,171 $ 69,863 $ — $ 67,721 $ 1,596 Total impaired loans held to maturity: Commercial $ 26,876 $ 24,438 $ 6,245 $ 24,588 $ 746 Commercial real estate 18,732 18,652 451 18,233 493 Total commercial and commercial real estate 45,608 43,090 6,696 42,821 1,239 Agricultural and agricultural real estate 25,995 22,686 916 19,576 60 Residential real estate 16,751 16,740 110 18,189 280 Consumer 4,538 4,536 450 5,352 56 Total impaired loans held to maturity $ 92,892 $ 87,052 $ 8,172 $ 85,938 $ 1,635 Unpaid Principal Balance Loan Balance Related Allowance Recorded Year-to-Date Avg. Loan Balance Year-to-Date Interest Income Recognized December 31, 2018 Impaired loans with a related allowance: Commercial $ 12,376 $ 12,366 $ 5,733 $ 4,741 $ 33 Commercial real estate 891 891 218 4,421 25 Total commercial and commercial real estate 13,267 13,257 5,951 9,162 58 Agricultural and agricultural real estate 1,718 1,718 686 2,165 2 Residential real estate 647 647 168 1,138 12 Consumer 1,373 1,373 749 2,934 29 Total loans held to maturity $ 17,005 $ 16,995 $ 7,554 $ 15,399 $ 101 Impaired loans without a related allowance: Commercial $ 13,616 $ 11,836 $ — $ 10,052 $ 299 Commercial real estate 13,578 13,497 — 13,000 249 Total commercial and commercial real estate 27,194 25,333 — 23,052 548 Agricultural and agricultural real estate 16,836 14,233 — 14,781 5 Residential real estate 19,604 19,604 — 23,950 308 Consumer 5,631 5,631 — 5,117 97 Total loans held to maturity $ 69,265 $ 64,801 $ — $ 66,900 $ 958 Total impaired loans held to maturity: Commercial $ 25,992 $ 24,202 $ 5,733 $ 14,793 $ 332 Commercial real estate 14,469 14,388 218 17,421 274 Total commercial and commercial real estate 40,461 38,590 5,951 32,214 606 Agricultural and agricultural real estate 18,554 15,951 686 16,946 7 Residential real estate 20,251 20,251 168 25,088 320 Consumer 7,004 7,004 749 8,051 126 Total impaired loans held to maturity $ 86,270 $ 81,796 $ 7,554 $ 82,299 $ 1,059 On November 30, 2019, Heartland completed the acquisition of substantially all of the assets and substantially all of the deposits and certain other liabilities of Rockford Bank and Trust Company, headquartered in Rockford, Illinois. As of November 30, 2019, Rockford Bank and Trust Company had gross loans of $366.6 million, and the estimated fair value of the loans acquired was $354.0 million. On May 10, 2019, Heartland completed the acquisition of Blue Valley Ban Corp., parent company of Bank of Blue Valley, headquartered in Overland Park, Kansas. As of May 10, 2019, Blue Valley Ban Corp. had gross loans of $558.2 million, and the estimated fair value of the loans acquired was $542.0 million. On May 18, 2018, Heartland completed the acquisition of First Bank Lubbock Bancshares, Inc., parent company of First Bank & Trust, headquartered in Lubbock, Texas. As of May 18, 2018, First Bank Lubbock Bancshares, Inc. had gross loans of $696.9 million, and the estimated fair value of the loans acquired was $681.1 million. On February 23, 2018, Heartland acquired Signature Bancshares, Inc., parent company of Signature Bank, based in Minnetonka, Minnesota. As of February 23, 2018, Signature Bancshares, Inc. had gross loans of $335.1 million and the estimated fair value of the loans acquired was $324.5 million. Included in loans acquired from Signature Bancshares, Inc. was a lease portfolio with a fair value of $16.0 million on the acquisition date. The lease portfolio is included with the commercial loan category for disclosure purposes. Heartland uses the acquisition method of accounting for purchased loans in accordance with ASC 805, " Business Combinations. " Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date, but the purchaser cannot carry over the related allowance for loan losses. Purchased loans are accounted for under ASC 310-30, " Loans and Debt Securities with Deteriorated Credit Quality," when the loans have evidence of credit deterioration since origination, and when at the date of the acquisition, it is probable that Heartland will not collect all contractually required principal and interest payments. Evidence of credit quality deterioration at the purchase date includes statistics such as past due and nonaccrual status. Generally, acquired loans that meet Heartland’s definition for nonaccrual status fall within the scope of ASC 310-30. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference, which is included in the carrying value of the loans. Subsequent decreases to the expected cash flows of the loan will generally result in a provision for loan losses. Subsequent increases in cash flows result in a reversal of the provision for loan losses to the extent of prior charges, or a reclassification of the difference from nonaccretable to accretable with a positive impact on future interest income. Further, any excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized into interest income over the remaining life of the loan when there is a reasonable expectation about the amount and timing of such cash flows. The carrying amount of the acquired loans at December 31, 2019, and December 31, 2018, consisted of purchased impaired and nonimpaired purchased loans as summarized in the following table, in thousands: December 31, 2019 December 31, 2018 Impaired Purchased Loans Non Impaired Purchased Loans Total Purchased Loans Impaired Non Impaired Total Commercial $ 7,181 $ 317,689 $ 324,870 $ 3,801 $ 243,693 $ 247,494 Commercial real estate 4,581 1,145,027 1,149,608 158 1,098,171 1,098,329 Agricultural and agricultural real estate — 9,434 9,434 — 27,115 27,115 Residential real estate — 181,453 181,453 231 184,389 184,620 Consumer loans 569 82,700 83,269 — 75,773 75,773 Total Covered Loans $ 12,331 $ 1,736,303 $ 1,748,634 $ 4,190 $ 1,629,141 $ 1,633,331 Changes in accretable yield on acquired loans with evidence of credit deterioration at the date of acquisition for the years ended December 31, 2019, and December 31, 2018, are presented in the table below, in thousands: For the Years Ended December 31, 2019 December 31, 2018 Balance at beginning of year $ 227 $ 57 Original yield discount, net, at date of acquisitions 64 508 Accretion (2,479) (1,743) Reclassification from nonaccretable difference (1) 2,581 1,405 Balance at end of year $ 393 $ 227 (1) Represents increases in estimated cash flows expected to be received, primarily due to lower estimated credit losses. For loans acquired since January 2015, on the acquisition dates the preliminary estimate of the contractually required payments receivable for all loans with evidence of credit deterioration since origination was $50.0 million and the estimated fair value of the loans was $31.6 million. At December 31, 2019, a majority of these loans were valued based upon the liquidation value of the underlying collateral, because the expected cash flows are primarily based on the liquidation of underlying collateral and the timing and amount of the cash flows could not be reasonably estimated. There was an allowance for loan losses of $86,000 and $57,000, at December 31, 2019, and December 31, 2018, respectively, related to these ASC 310-30 loans. Provision expense of $29,000 and $719,000 was recorded for the years ended December 31, 2019, and 2018, respectively, related to these ASC 310-30 loans. For loans acquired since January 2015, the preliminary estimate on the acquisition dates of the contractually required payments receivable for all nonimpaired loans acquired was $4.59 billion and the estimated fair value of the loans was $4.47 billion. Loans are made in the normal course of business to directors, officers and principal holders of equity securities of Heartland. The terms of these loans, including interest rates and collateral, are similar to those prevailing for comparable transactions and do not involve more than a normal risk of collectability. Changes in such loans during the years ended December 31, 2019 and 2018, were as follows, in thousands: 2019 2018 Balance at beginning of year $ 124,983 $ 115,673 Advances 91,287 44,771 Repayments (31,702) (35,461) Balance at end of year $ 184,568 $ 124,983

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Allowance for Loan Losses	ALLOWANCE FOR LOAN LOSSES Changes in the allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 were as follows, in thousands: 2019 2018 2017 Balance at beginning of year $ 61,963 $ 55,686 $ 54,324 Provision for loan losses 16,657 24,013 15,563 Recoveries on loans previously charged-off 5,365 3,549 3,670 Loans charged-off (13,590) (21,285) (17,871) Balance at end of year $ 70,395 $ 61,963 $ 55,686 Changes in the allowance for loan losses by loan category for the years ended December 31, 2019, and December 31, 2018, were as follows, in thousands: Commercial Commercial Real Estate Agricultural Residential Real Estate Consumer Total Balance at December 31, 2018 $ 24,505 $ 25,538 $ 4,953 $ 1,785 $ 5,182 $ 61,963 Charge-offs (7,294) (272) (2,656) (407) (2,961) (13,590) Recoveries 1,743 1,391 536 73 1,622 5,365 Provision 8,790 4,086 2,784 (13) 1,010 16,657 Balance at December 31, 2019 $ 27,744 $ 30,743 $ 5,617 $ 1,438 $ 4,853 $ 70,395 Commercial Commercial Real Estate Agricultural Residential Real Estate Consumer Total Balance at December 31, 2017 $ 18,098 $ 21,950 $ 4,258 $ 2,224 $ 9,156 $ 55,686 Charge-offs (7,916) (1,977) (1,437) (372) (9,583) (21,285) Recoveries 978 1,047 13 96 1,415 3,549 Provision 13,345 4,518 2,119 (163) 4,194 24,013 Balance at December 31, 2018 $ 24,505 $ 25,538 $ 4,953 $ 1,785 $ 5,182 $ 61,963 Management allocates the allowance for loan losses by pools of risk within each loan portfolio. The allocation of the allowance for loan losses by loan portfolio is made for analytical purposes and is not necessarily indicative of the trend of future loan losses in any particular category. The total allowance for loan losses is available to absorb losses from any segment of the loan portfolio.

Premises, Furniture and Equipme

Premises, Furniture and Equipment	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises, Furniture and Equipment	PREMISES, FURNITURE AND EQUIPMENT Premises, furniture and equipment, excluding those held for sale, as of December 31, 2019, and December 31, 2018, were as follows, in thousands: 2019 2018 Land and land improvements $ 60,444 $ 52,442 Buildings and building improvements 176,838 170,160 Furniture and equipment 65,617 66,941 Total 302,899 289,543 Less accumulated depreciation (105,341) (102,125) Premises, furniture and equipment, net $ 197,558 $ 187,418 Depreciation expense on premises, furniture and equipment was $12.0 million, $11.7 million and $11.1 million for 2019, 2018 and 2017, respectively. Depreciation expense on buildings and building improvements of $6.2 million, $5.8 million and $5.2 million for the years ended December 31, 2019, 2018, and 2017, respectively, is recorded in occupancy expense on the consolidated statements of income. Depreciation expense on furniture and equipment of $5.8 million, $6.0 million and $6.0 million for the years ended December 31, 2019, 2018, and 2017, respectively, is recorded in furniture and equipment expense on the consolidated statements of income.

Goodwill, Core Deposit Intangib

Goodwill, Core Deposit Intangibles and Other Intangible Assets	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill, Core Deposit Intangibles and Other Intangible Assets	GOODWILL, CORE DEPOSIT INTANGIBLES AND OTHER INTANGIBLE ASSETS Heartland had goodwill of $446.3 million at December 31, 2019, and $391.7 million at December 31, 2018. Heartland conducts its annual internal assessment of the goodwill both collectively and at its subsidiaries as of September 30. There was no goodwill impairment as of the most recent assessment. Heartland recorded $19.2 million of goodwill and $1.8 million of core deposit intangibles in connection with the acquisition of substantially all of the assets and substantially all of the deposits and certain other liabilities of Rockford Bank and Trust Company, headquartered in Rockford, Illinois on November 30, 2019. Heartland recorded $35.4 million of goodwill and $11.4 million of core deposit intangibles in connection with the acquisition of Blue Valley Ban Corp., parent company of Bank of Blue Valley, headquartered in Overland Park, Kansas on May 10, 2019. Heartland recorded $121.4 million of goodwill and $13.9 million of core deposit intangibles in connection with the acquisition of First Bank Lubbock Bancshares, Inc., parent company of First Bank & Trust Company, headquartered in Lubbock, Texas on May 18, 2018. Heartland recorded $33.7 million of goodwill and $7.7 million of core deposit intangibles in connection with the acquisition of Signature Bancshares, Inc., parent company of Signature Bank, headquartered in Minnetonka, Minnesota on February 23, 2018. The core deposit intangibles recorded with the Blue Valley Ban Corp., First Bank Lubbock Bancshares, Inc., and Signature Bancshares, Inc. acquisitions are not deductible for tax purposes and are expected to be amortized over a period of 10 years on an accelerated basis. Goodwill related to the Blue Valley Ban Corp., First Bank Lubbock Bancshares, Inc., and Signature Bancshares, Inc. acquisitions resulted from expected operational synergies, increased market presence, cross-selling opportunities, and expanded business lines and is not deductible for tax purposes. The core deposit intangibles and goodwill recorded with the Rockford Bank and Trust Company acquisition of substantially all of the assets and substantially all of the deposits and certain other liabilities, is deductible for tax purposes and the core deposit intangibles are expected to be amortized over a period of 10 years on an accelerated basis. Other intangible assets consist of core deposit intangibles, mortgage servicing rights, customer relationship intangible and commercial servicing rights. The gross carrying amount of other intangible assets and the associated accumulated amortization at December 31, 2019, and December 31, 2018, are presented in the table below, in thousands: December 31, 2019 December 31, 2018 Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount Amortizing intangible assets: Core deposit intangibles $ 96,821 $ 48,338 $ 48,483 $ 83,640 $ 36,403 $ 47,237 Customer relationship intangible 1,177 972 205 1,177 935 242 Mortgage servicing rights 7,886 2,265 5,621 42,228 12,865 29,363 Commercial servicing rights 6,952 5,837 1,115 6,834 5,125 1,709 Total $ 112,836 $ 57,412 $ 55,424 $ 133,879 $ 55,328 $ 78,551 On April 30, 2019, Dubuque Bank and Trust Company closed on the sale of substantially all of its servicing rights portfolio, which contained loans with an unpaid principal balance of $3.31 billion to PNC Bank, N.A. The transaction qualified as a sale, and $20.6 million of mortgage servicing rights were de-recognized on the consolidated balance sheet as of June 30, 2019. Cash of approximately $36.6 million was received during 2019, and Heartland recorded a gain on the sale of this portfolio of approximately $14.5 million. In the agreement, which included customary terms and conditions, Dubuque Bank and Trust Company provided interim servicing of the loans until the transfer date, which was August 1, 2019. The following table shows the estimated future amortization expense for amortizable intangible assets, in thousands: Core Deposit Intangibles Customer Relationship Intangible Mortgage Servicing Rights Commercial Servicing Rights Total Year ending December 31, 2020 $ 10,577 $ 37 $ 1,405 $ 301 $ 12,320 2021 8,691 35 1,205 267 10,198 2022 7,102 34 1,004 235 8,375 2023 6,201 34 803 155 7,193 2024 5,108 33 602 86 5,829 Thereafter 10,804 32 602 71 11,509 Total $ 48,483 $ 205 $ 5,621 $ 1,115 $ 55,424 Projections of amortization expense for mortgage servicing rights are based on existing asset balances and the existing interest rate environment as of December 31, 2019. Heartland's actual experience may be significantly different depending upon changes in mortgage interest rates and market conditions. Mortgage loans serviced for others at First Bank & Trust were $616.7 million and $648.9 million as of December 31, 2019, and December 31, 2018, respectively. Custodial escrow balances maintained in connection with the mortgage loan servicing portfolio at First Bank & Trust were approximately $5.0 million and $5.9 million as of December 31, 2019, and December 31, 2018, respectively. The fair value of Heartland's mortgage servicing rights at First Bank & Trust was estimated at $5.6 million and $7.0 million at December 31, 2019, and December 31, 2018, respectively, and is comprised of loans serviced for the Federal National Mortgage Association ("FNMA") and the Federal Home Loan Mortgage Corporation ("FHLMC"). Heartland transferred custodial escrow balances totaling $22.9 million to PNC Bank, N.A. in conjunction with the transfer of the mortgage servicing rights portfolio on August 1, 2019. Custodial escrow balances maintained in connection with the mortgage loan servicing portfolio at Dubuque Bank and Trust Company totaled $17.7 million at December 31, 2018. The fair value of mortgage servicing rights is calculated based upon a discounted cash flow analysis. Cash flow assumptions, including prepayment speeds, servicing costs and escrow earnings of First Bank & Trust's mortgage servicing rights are considered in the calculation. The average constant prepayment rate was 14.20% as of December 31, 2019 compared to 10.30% for the December 31, 2018 valuation. The discount rate was 9.03% for both the December 31, 2019 and December 31, 2018 valuations. The average capitalization rate for 2019 ranged from 80 to 103 basis points compared to a range of 93 to 117 basis points for 2018 since acquisition on May 18, 2018. Fees collected for the servicing of mortgage loans for others were $4.9 million, $9.9 million and $11.6 million for the years ended December 31, 2019, 2018 and 2017, respectively. The following table summarizes, in thousands, the changes in capitalized mortgage servicing rights for the twelve months ended December 31, 2019, and December 31, 2018: 2019 2018 Balance at January 1 $ 29,363 $ 23,248 Originations 893 5,045 Amortization (3,168) (5,867) Sale of mortgage servicing rights (20,556) — Acquired mortgage servicing rights — 6,995 Valuation allowance on servicing rights (911) (58) Balance at December 31 $ 5,621 $ 29,363 Fair value of mortgage servicing rights $ 5,621 $ 48,680 Mortgage servicing rights, net to servicing portfolio 0.91 % 0.72 % Heartland's commercial servicing portfolio is comprised of loans guaranteed by the Small Business Administration and United States Department of Agriculture that have been sold with servicing retained by Heartland, which totaled $82.1 million at December 31, 2019, and $107.4 million at December 31, 2018. The commercial servicing rights portfolio is separated into two tranches at the respective Heartland subsidiary, loans with a term of less than 20 years and loans with a term of more than 20 years. Fees collected for the servicing of commercial loans for others were $1.0 million and $1.6 million for the years ended December 31, 2019 and 2018, respectively. The fair value of each commercial servicing rights portfolio is calculated based upon a discounted cash flow analysis. Cash flow assumptions, including prepayment speeds and servicing costs, are considered in the calculation. The range of average constant prepayment rates for the portfolio valuations was 14.25% and 18.08% as of December 31, 2019, compared to 11.01% and 13.50% as of December 31, 2018. The discount rate range was 10.65% and 13.94% for the December 31, 2019, valuations compared to 13.44% and 16.96% for the December 31, 2018 valuations. The capitalization rate ranged from 310 to 445 basis points at both December 31, 2019 and 2018. The total fair value of Heartland's commercial servicing rights portfolios was estimated at $1.6 million as of December 31, 2019, and $2.1 million as of December 31, 2018. The following table summarizes, in thousands, the changes in capitalized commercial servicing rights for the twelve months ended December 31, 2019, and December 31, 2018: 2019 2018 Balance at January 1, $ 1,709 $ 2,609 Originations 118 115 Amortization (712) (1,027) Purchased commercial servicing rights — — Valuation allowance on servicing rights — 12 Balance at December 31, $ 1,115 $ 1,709 Fair value of commercial servicing rights $ 1,594 $ 2,134 Commercial servicing rights, net to servicing portfolio 1.36 % 1.59 % Mortgage and commercial servicing rights are initially recorded at fair value in net gains on sale of loans held for sale when they are acquired through loan sales. Fair value is based on market prices for comparable servicing contracts, when available, or based on a valuation model that calculates the present value of estimated future net servicing income. Mortgage and commercial servicing rights are subsequently measured using the amortization method, which requires the asset to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Servicing rights are evaluated for impairment at each Heartland subsidiary based upon the fair value of the assets as compared to the carrying amount. Impairment is recognized through a valuation allowance for specific tranches to the extent that fair value is less than carrying amount at each Heartland subsidiary. At December 31, 2019, a valuation allowance of $114,000 was required on the mortgage servicing rights 15-year tranche and a $797,000 valuation allowance was required on the mortgage servicing rights 30-year tranche. At December 31, 2018, a $20,000 valuation allowance was required on the 15- year tranche and a $38,000 valuation was required on the 30-year tranche for mortgage servicing rights. At both December 31, 2019 and December 31, 2018, no valuation allowance was required on commercial servicing rights with an original term of less than 20 years and no valuation allowance was required on commercial servicing rights with an original term of greater than 20 years. The following table summarizes, in thousands, the book value, the fair value of each tranche of the mortgage servicing rights and any recorded valuation allowance at each respective subsidiary at December 31, 2019, and December 31, 2018: December 31, 2019 Book Value 15-Year Tranche Fair Value 15-Year Tranche Impairment 15-Year Tranche Book Value 30-Year Tranche Fair Value 30-Year Tranche Impairment 30-Year Tranche Dubuque Bank and Trust Company $ — $ — $ — $ — $ — $ — First Bank & Trust 1,482 1,368 114 5,050 4,253 797 Total $ 1,482 $ 1,368 $ 114 $ 5,050 $ 4,253 $ 797 December 31, 2018 Dubuque Bank and Trust Company $ 2,195 $ 4,636 $ — $ 20,025 $ 36,901 $ — First Bank & Trust 1,685 1,665 20 5,516 5,478 38 Total $ 3,880 $ 6,301 $ 20 $ 25,541 $ 42,379 $ 38 The following table summarizes, in thousands, the book value, the fair value of each tranche of the commercial servicing rights and any recorded valuation allowance at each respective subsidiary at December 31, 2019, and December 31, 2018: Book Value- Less than 20 Years Fair Value- Less than 20 Years Impairment- Less than 20 Years Book Value- More than 20 Years Fair Value- More than 20 Years Impairment- More than 20 Years December 31, 2019 Citywide Banks $ — $ — $ — $ — $ — $ — Premier Valley Bank 1 13 — 135 161 — Wisconsin Bank & Trust 128 272 — 851 1,148 — Total $ 129 $ 285 $ — $ 986 $ 1,309 $ — December 31, 2018 Citywide Banks $ 1 $ 6 $ — $ 18 $ 20 $ — Premier Valley Bank 45 74 — 178 184 — Wisconsin Bank & Trust 249 411 — 1,218 1,439 — Total $ 295 $ 491 $ — $ 1,414 $ 1,643 $ —

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Deposits	DEPOSITS At December 31, 2019, the scheduled maturities of time certificates of deposit were as follows, in thousands: 2020 $ 802,410 2021 268,777 2022 63,822 2023 24,963 2024 20,755 Thereafter 12,316 $ 1,193,043 The aggregate amount of time certificates of deposit in denominations of $100,000 or more as of December 31, 2019, and December 31, 2018, were $695.8 million and $585.7 million, respectively. The aggregate amount of time certificates of deposit in denominations of $250,000 or more as of December 31, 2019, and December 31, 2018 were $329.1 million and $307.1 million, respectively. Interest expense on deposits for the years ended December 31, 2019, 2018, and 2017, was as follows, in thousands: 2019 2018 2017 Savings and money market accounts $ 47,069 $ 25,123 $ 11,107 Time certificates of deposit in denominations of $100,000 or more 9,344 4,789 3,016 Other time deposits 7,321 5,755 4,156 Interest expense on deposits $ 63,734 $ 35,667 $ 18,279

Short-term Borrowings

Short-term Borrowings	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Short-term Borrowings	SHORT-TERM BORROWINGS Short-term borrowings, which Heartland defines as borrowings with an original maturity of one year or less, as of December 31, 2019, and 2018, were as follows, in thousands: 2019 2018 Retail repurchase agreements $ 84,486 $ 80,124 Federal funds purchased 2,450 35,400 Advances from the FHLB 81,198 100,838 Other short-term borrowings 14,492 10,648 Total $ 182,626 $ 227,010 At December 31, 2019, Heartland had one non-revolving credit facility with an unaffiliated bank, which provided a borrowing capacity not to exceed $70.0 million when combined with the outstanding balance on the amortizing term loan discussed in Note 11. The credit facility is non-revolving at a rate of 2.75% over LIBOR, and any outstanding balance is due on June 14, 2020. Heartland renewed its $30.0 million revolving credit line agreement with the same unaffiliated bank on June 14, 2019. This revolving credit line agreement is included in short-term borrowings, and the primary purpose of this credit line agreement is to provide liquidity to Heartland. Heartland had no advances on this line during 2019, and the outstanding balance was $0 at both December 31, 2019, and December 31, 2018. The agreement with the unaffiliated bank for the credit facility contains specific financial covenants, all of which Heartland was in compliance with at December 31, 2019, and December 31, 2018. All retail repurchase agreements as of December 31, 2019, and 2018, were due within twelve months. Average and maximum balances and rates on aggregate short-term borrowings outstanding during the years ended December 31, 2019, December 31, 2018 and December 31, 2017, were as follows, in thousands: 2019 2018 2017 Maximum month-end balance $ 226,096 $ 229,890 $ 324,691 Average month-end balance 128,098 152,391 182,846 Weighted average interest rate for the year 1.38 % 1.19 % 0.36 % Weighted average interest rate at year-end 1.21 % 1.96 % 1.11 % Dubuque Bank and Trust Company and Bank of Blue Valley are participants in the Borrower-In-Custody of Collateral Program at the Federal Reserve Bank of Chicago and the Federal Reserve Bank of Kansas City, respectively, which provides the capability to borrow short-term funds under the Discount Window Program. Advances under this program are collateralized by a portion of the commercial loan portfolio of Dubuque Bank and Trust Company in the amount of $85.9 million at December 31, 2019, and $96.2 million at December 31, 2018. Advances collateralized by a portion of Bank of Blue Valley's commercial loan portfolio were $19.7 million at December 31, 2019, and $16.2 million at December 31, 2018. There were no borrowings under the Discount Window Program outstanding at year-end 2019 and 2018.

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Other Borrowings	OTHER BORROWINGS Other borrowings, which Heartland defines as borrowings with an original maturity date of more than one year, outstanding at December 31, 2019 and 2018, are shown in the table below, net of discount and issuance costs amortization, in thousands: 2019 2018 Advances from the FHLB; weighted average interest rates were 4.08% and 4.03% at December 31, 2019 and 2018, respectively $ 2,835 $ 3,399 Trust preferred securities 145,343 130,913 Senior notes — 5,000 Note payable to unaffiliated bank 51,417 58,417 Contracts payable for purchase of real estate and other assets 1,892 1,953 Subordinated notes 74,286 74,143 Other borrowings — 1,080 Total $ 275,773 $ 274,905 The Heartland banks are members of the FHLB of Des Moines, Chicago, Dallas, San Francisco and Topeka. At December 31, 2019, none of Heartland's FHLB advances had call features. The advances from the FHLB are collateralized by a portion of the Heartland banks' investments in FHLB stock of $11.3 million and $13.3 million at December 31, 2019 and 2018, respectively. In addition, the FHLB advances are collateralized with pledges of one- to four-family residential mortgages, commercial and agricultural mortgages and securities totaling $4.11 billion at December 31, 2019, and $3.71 billion at December 31, 2018. At December 31, 2019, Heartland had $1.56 billion of remaining FHLB borrowing capacity. At December 31, 2019, Heartland had fifteen wholly-owned trust subsidiaries that were formed to issue trust preferred securities, which includes trust subsidiaries acquired in acquisitions since 2013. The proceeds from the offerings were used to purchase junior subordinated debentures from Heartland and were in turn used by Heartland for general corporate purposes. Heartland has the option to shorten the maturity date to a date not earlier than the callable date. Heartland may not shorten the maturity date without prior approval of the Board of Governors of the Federal Reserve System, if required. Early redemption is permitted under certain circumstances, such as changes in tax or regulatory capital rules. Heartland repurchased and retired $2.6 million of Heartland Statutory Trust VII in 2019. In connection with these offerings of trust preferred securities, the balance of deferred issuance costs included in other borrowings was $90,000 as of December 31, 2019. These deferred costs are amortized on a straight-line basis over the life of the debentures. The majority of the interest payments are due quarterly. A schedule of Heartland’s trust preferred offerings outstanding, as of December 31, 2019, were as follows, in thousands: Amount Issued Interest Rate Interest Rate as of 12/31/19 (1) Maturity Date Callable Date Heartland Financial Statutory Trust IV $ 10,310 2.75% over LIBOR 4.65% (2) 03/17/2034 03/17/2020 Heartland Financial Statutory Trust V 20,619 1.33% over LIBOR 3.32 (3) 04/07/2036 04/07/2020 Heartland Financial Statutory Trust VI 20,619 1.48% over LIBOR 3.37 (4) 09/15/2037 03/15/2020 Heartland Financial Statutory Trust VII 18,042 1.48% over LIBOR 3.39 (5) 09/01/2037 03/01/2020 Morrill Statutory Trust I 9,088 3.25% over LIBOR 5.20 12/26/2032 03/26/2020 Morrill Statutory Trust II 8,754 2.85% over LIBOR 4.75 12/17/2033 03/17/2020 Sheboygan Statutory Trust I 6,528 2.95% over LIBOR 4.85 09/17/2033 03/17/2020 CBNM Capital Trust I 4,409 3.25% over LIBOR 5.14 12/15/2034 03/15/2020 Citywide Capital Trust III 6,438 2.80% over LIBOR 4.74 12/19/2033 04/23/2020 Citywide Capital Trust IV 4,296 2.20% over LIBOR 4.11 09/30/2034 05/23/2020 Citywide Capital Trust V 11,748 1.54% over LIBOR 3.43 07/25/2036 03/15/2020 OCGI Statutory Trust III 2,996 3.65% over LIBOR 5.48 (6) 09/30/2032 03/30/2020 OCGI Capital Trust IV 5,342 2.50% over LIBOR 4.39 (7) 12/15/2034 03/15/2020 BVBC Capital Trust II 7,197 3.25% over LIBOR 5.16 04/24/2033 04/24/2020 BVBC Capital Trust III 9,047 1.60% over LIBOR 3.54 09/30/2035 03/30/2020 Total trust preferred offerings 145,433 Less: deferred issuance costs (90) $ 145,343 (1) Effective weighted average interest rate as of December 31, 2019, was 4.80% due to interest rate swap transactions as discussed in Note 12 to Heartland's consolidated financial statements. (2) Effective interest rate as of December 31, 2019, was 5.01% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (3) Effective interest rate as of December 31, 2019, was 4.69% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (4) Effective interest rate as of December 31, 2019, was 3.87% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (5) Effective interest rate as of December 31, 2019, was 3.83% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (6) Effective interest rate as of December 31, 2019, was 5.53% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (7) Effective interest rate as of December 31, 2019, was 4.37% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. For regulatory purposes, $145.2 million and $130.9 million of the trust preferred securities qualified as Tier 1 capital as of December 31, 2019 and 2018, respectively. All of the remaining senior notes matured in 2019. Total senior notes outstanding were $0 at December 31, 2019, and $5.0 million on December 31, 2018. In addition to the credit line described in Note 10, "Short-Term Borrowings," Heartland entered into another non-revolving credit facility with the same unaffiliated bank, which provided a borrowing capacity not to exceed $70.0 million when combined with the outstanding balance on its then existing amortizing term loan with the same unaffiliated bank. The borrowing capacity was reduced to $70.0 million from $75.0 million on June 14, 2018. On May 10, 2016, $40.0 million of this variable rate non-revolving credit facility was swapped to a fixed rate of 2.50% over LIBOR with an amortizing term of five years, which is due in April 2021, and was reclassified as long-term debt. At December 31, 2019, a balance of $51.4 million was outstanding on this term debt compared to $58.4 million at December 31, 2018. At December 31, 2019, $14.8 million was available on the non-revolving credit facility, of which no balance was outstanding. On December 17, 2014, Heartland issued $75.0 million of subordinated notes with a maturity date of December 30, 2024. The notes were issued at par with an underwriting discount of $1.1 million. The interest rate on the notes is fixed at 5.75% per annum, payable semi-annually. The notes were sold to qualified institutional buyers, and the proceeds are being used for general corporate purposes. For regulatory purposes, $74.3 million of the subordinated notes qualified as Tier 2 capital as of December 31, 2019. In connection with the sale of the notes, the balance of deferred issuance costs included in other borrowings was $189,000 at December 31, 2019, and $227,000 at December 31, 2018. These deferred costs are amortized on a straight-line basis over the life of the notes. Future payments at December 31, 2019, for other borrowings follow in the table below, in thousands. FHLB advances, wholesale repurchase agreements, convertible debt and subordinated debt are included in the table at their call date. 2020 $ 8,705 2021 24,682 2022 4,657 2023 3,037 2024 77,437 Thereafter 157,255 Total $ 275,773

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	DERIVATIVE FINANCIAL INSTRUMENTS Heartland uses derivative financial instruments as part of its interest rate risk management strategy. As part of the strategy, Heartland considers the use of interest rate swaps, caps, floors and collars and certain interest rate lock commitments and forward sales of securities related to mortgage banking activities. Heartland's current strategy includes the use of interest rate swaps, interest rate lock commitments and forward sales of mortgage securities. In addition, Heartland is facilitating back-to-back loan swaps to assist customers in managing interest rate risk. Heartland's objectives are to add stability to its net interest margin and to manage its exposure to movement in interest rates. The contract or notional amount of a derivative is used to determine, along with the other terms of the derivative, the amounts to be exchanged between the counterparties. Heartland is exposed to credit risk in the event of nonperformance by counterparties to financial instruments. Heartland minimizes this risk by entering into derivative contracts with large, stable financial institutions. Heartland has not experienced any losses from nonperformance by these counterparties. Heartland monitors counterparty risk in accordance with the provisions of ASC 815. In addition, interest rate-related derivative instruments generally contain language outlining collateral pledging requirements for each counterparty. Collateral must be posted when the market value exceeds certain threshold limits which are determined by credit ratings of each counterparty. Heartland was required to pledge $1.9 million of cash as collateral at December 31, 2019, and no cash at December 31, 2018. At December 31, 2019, no collateral was required to be pledged by Heartland's counterparties compared to $770,000 collateral at December 31, 2018. Heartland's derivative and hedging instruments are recorded at fair value on the consolidated balance sheets. See Note 20, "Fair Value," for additional fair value information and disclosures. Cash Flow Hedges Heartland has variable rate funding which creates exposure to variability in interest payments due to changes in interest rates. To manage the interest rate risk related to the variability of interest payments, Heartland has entered into various interest rate swap agreements. Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are received or made on Heartland's variable-rate liabilities. For the twelve months ended December 31, 2019, the change in net unrealized losses on cash flow hedges reflects changes in the fair value of the swaps and reclassification from accumulated other comprehensive income to interest expense totaling $197,000. For the next twelve months, Heartland estimates that cash payments and reclassification from accumulated other comprehensive income to interest expense will total $406,000. Heartland entered into six forward-starting interest rate swap transactions to effectively convert Heartland Financial Statutory Trust IV, V, VI, and VII, which total $85.0 million, as well as Morrill Statutory Trust I and II, which total $20.0 million, from variable rate subordinated debentures to fixed rate debt. For accounting purposes, these six swap transactions are designated as cash flow hedges of the changes in LIBOR, the benchmark interest rate being hedged, associated with the interest payments made on $105.0 million of Heartland's subordinated debentures that reset quarterly on a specified reset date. At inception, Heartland asserted that the underlying principal balance would remain outstanding throughout the hedge transaction making it probable that sufficient LIBOR-based interest payments would exist through the maturity date of the swaps. During the first quarter of 2019, the interest rate swap transactions associated with Morrill Statutory Trust I and II, totaling $20.0 million, matured and the fixed rate debt has been converted to variable rate subordinated debentures. Heartland entered into an interest rate swap transaction on May 10, 2016, to effectively convert $40.0 million of amortizing term debt from variable rate debt to fixed rate debt. For accounting purposes, this swap is designated as a cash flow hedge of the changes in LIBOR, the benchmark interest rate being hedged, associated with the interest payments on the amortizing term debt that resets monthly on a specified reset date. The swap expires on May 10, 2021. On May 18, 2018, in connection with the acquisition of First Bank Lubbock Bancshares, Inc., Heartland acquired cash flow hedges related to OCGI Statutory Trust III and OCGI Capital Trust IV with notional amounts of $3.0 million and $6.0 million, respectively. The cash flow hedges effectively convert OCGI Statutory Trust III and OGCI Capital Trust IV from variable rate subordinated debentures to fixed rate debt. These swaps are designated as cash flow hedges of the changes in LIBOR, the benchmark interest rate being hedged, associated with the interest payments made on $9.0 million of Heartland's subordinated debentures that reset quarterly on a specified reset date. The table below identifies the balance sheet category and fair values of Heartland's derivative instruments designated as cash flow hedges at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category Receive Rate Weighted Average Pay Rate Maturity December 31, 2019 Interest rate swap $ 25,000 $ (167) Other Liabilities 1.900 % 2.255 % 03/17/2021 Interest rate swap 20,000 (67) Other Liabilities 2.043 3.355 01/07/2020 Interest rate swap 25,667 135 Other Assets 4.215 3.674 05/10/2021 Interest rate swap 25,750 (1,384) Other Liabilities 4.280 5.425 07/24/2028 Interest rate swap 20,000 (614) Other Liabilities 1.894 2.390 06/15/2024 Interest rate swap 20,000 (561) Other Liabilities 1.907 2.352 03/01/2024 Interest rate swap 6,000 (15) Other Liabilities 1.894 1.866 06/15/2021 Interest rate swap 3,000 (9) Other Liabilities 1.831 1.878 06/30/2021 December 31, 2018 Interest rate swap $ 25,000 $ 191 Other Assets 2.788 % 2.255 % 03/17/2021 Interest rate swap 20,000 (177) Other Liabilities 2.408 3.355 01/07/2020 Interest rate swap 10,000 29 Other Assets 2.822 1.674 03/26/2019 Interest rate swap 10,000 28 Other Assets 2.788 1.658 03/18/2019 Interest rate swap 29,667 763 Other Assets 4.887 3.674 05/10/2021 Interest rate swap 28,750 (572) Other Liabilities 5.004 5.425 07/24/2028 Interest rate swap 20,000 157 Other Assets 2.788 2.390 06/15/2024 Interest rate swap 20,000 185 Other Assets 2.738 2.352 03/01/2024 Interest rate swap 6,000 105 Other Assets 2.788 1.866 06/15/2021 Interest rate swap 3,000 51 Other Assets 2.787 1.878 06/30/2021 The table below identifies the gains and losses recognized on Heartland's derivative instruments designated as cash flow hedges for the years ended December 31, 2019, and December 31, 2018, in thousands: Effective Portion Ineffective Portion Recognized in OCI Reclassified from AOCI into Income Recognized in Income on Derivatives Amount of Gain (Loss) Category Amount of Gain (Loss) Category Amount of Gain (Loss) December 31, 2019 Interest rate swap $ (3,442) Interest expense $ (197) Other income $ — December 31, 2018 Interest rate swap $ 995 Interest Expense $ (179) Other Income $ — Fair Value Hedges Heartland uses interest rate swaps to convert certain long term fixed rate loans to floating rates to hedge interest rate risk exposure. Heartland uses hedge accounting in accordance with ASC 815, with the unrealized gains and losses, representing the change in fair value of the derivative and the change in fair value of the risk being hedged on the related loan, being recorded in the consolidated statements of income. The ineffective portions of the unrealized gains or losses, if any, are recorded in interest income and interest expense in the consolidated statements of income. Heartland uses statistical regression to assess hedge effectiveness, both at the inception of the hedge as well as on a continual basis. The regression analysis involves regressing the periodic change in the fair value of the hedging instrument against the periodic changes in the fair value of the asset being hedged due to changes in the hedge risk. Heartland was required to pledge $3.4 million and $2.5 million of cash as collateral for these fair value hedges at December 31, 2019, and December 31, 2018, respectively. The table below identifies the notional amount, fair value and balance sheet category of Heartland's fair value hedges at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category December 31, 2019 Fair value hedges $ — $ — Other assets Fair value hedges $ 21,250 $ (1,253) Other liabilities December 31, 2018 Fair value hedges $ 19,820 $ 74 Other assets Fair value hedges 15,064 (339) Other liabilities The table below identifies the gains and losses recognized on Heartland's fair value hedges for the years ended December 31, 2019, and December 31, 2018, in thousands: Amount of Gain (Loss) Income Statement Category December 31, 2019 Fair value hedges $ (988) Interest income December 31, 2018 Fair value hedges $ 734 Interest income Embedded Derivatives Heartland has fixed rate loans with embedded derivatives. The loans contain terms that affect the cash flows or value of the loan similar to a derivative instrument, and therefore are considered to contain an embedded derivative. The embedded derivatives are bifurcated from the loans because the terms of the derivative instrument are not clearly and closely related to the loans. The embedded derivatives are recorded at fair value on the consolidated balance sheets as a part of other assets, and changes in the fair value are a component of noninterest income. The table below identifies the notional amount, fair value and balance sheet category of Heartland's embedded derivatives as of December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category December 31, 2019 Embedded derivatives $ 9,627 $ 465 Other assets Embedded derivatives $ — $ — Other liabilities December 31, 2018 Embedded derivatives $ 11,266 $ 453 Other assets Embedded derivatives 2,231 (54) Other liabilities The table below identifies the gains and losses recognized on Heartland's embedded derivatives for the years ended December 31, 2019 and December 31, 2018, in thousands: Amount of Gain (Loss) Income Statement Category December 31, 2019 Embedded derivatives $ 66 Other noninterest income December 31, 2018 Embedded derivatives $ 339 Other noninterest income Back-to-Back Loan Swaps Heartland has interest rate swap loan relationships with customers to meet their financing needs. Upon entering into these loan swaps, Heartland enters into offsetting positions with counterparties in order to minimize interest rate risk. These back-to-back loan swaps qualify as free standing financial derivatives with the fair values reported in other assets and other liabilities on the consolidated balance sheets. Heartland was required to post $20.2 million and $2.0 million as of December 31, 2019, and December 31, 2018, respectively, as collateral related to these back-to-back swaps. Heartland's counterparties were required to pledge $0 and $680,000 as of December 31, 2019 and December 31, 2018, respectively, related to these back-to-back swaps. Any gains and losses on these back-to-back swaps are recorded in noninterest income on the consolidated statements of income, and for the years ended December 31, 2019, and December 31, 2018, no gains or losses were recognized. The table below identifies the balance sheet category and fair values of Heartland's derivative instruments designated as loan swaps at December 31, 2019 and 2018, in thousands: Notional Amount Fair Value Balance Sheet Category Weighted Average Receive Rate Weighted Average Pay Rate December 31, 2019 Customer interest rate swaps $ 374,191 $ 16,927 Other Assets 4.68 % 4.05 % Customer interest rate swaps 374,191 (16,927) Other Liabilities 4.05 % 4.68 % December 31, 2018 Customer interest rate swaps $ 211,246 $ 4,449 Other Assets 5.10 % 4.96 % Customer interest rate swaps 211,246 (4,449) Other Liabilities 4.96 % 5.10 % Other Free Standing Derivatives Heartland has entered into interest rate lock commitments to originate residential mortgage loans held for sale and forward commitments to sell residential mortgage loans and mortgage backed securities that are considered derivative instruments. Heartland enters into forward commitments for the future delivery of residential mortgage loans when interest rate lock commitments are entered into in order to economically hedge the effect of future changes in interest rates on the commitments to fund the loans as well as on residential mortgage loans available for sale. The fair value of these commitments is recorded on the consolidated balance sheets with the changes in fair value recorded in the consolidated statements of income as a component of gains on sale of loans held for sale. These derivative contracts are designated as free standing derivative contracts and are not designated against specific assets and liabilities on the consolidated balance sheets or forecasted transactions and therefore do not qualify for hedge accounting treatment. Heartland was required to pledge $0 and $35,000 at December 31, 2019, and December 31, 2018, respectively, as collateral for these forward commitments. Heartland's counterparties were required to pledge no cash as collateral at both December 31, 2019, and December 31, 2018, as collateral for these forward commitments. Heartland acquired undesignated interest rate swaps in 2015. These swaps were entered into primarily for the benefit of customers seeking to manage their interest rate risk and are not designated against specific assets or liabilities on the consolidated balance sheet or forecasted transactions and therefore do not qualify for hedge accounting in accordance with ASC 815. These swaps are carried at fair value on the consolidated balance sheets as a component of other liabilities, with changes in the fair value recorded as a component of other noninterest income. The table below identifies the balance sheet category and fair values of Heartland's other free standing derivative instruments not designated as hedging instruments at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category December 31, 2019 Interest rate lock commitments (mortgage) $ 20,356 $ 681 Other Assets Forward commitments 16,000 15 Other Assets Forward commitments 36,500 (113) Other Liabilities Undesignated interest rate swaps 9,627 (465) Other Liabilities Undesignated interest rate swaps — — Other Assets December 31, 2018 Interest rate lock commitments (mortgage) $ 22,451 $ 725 Other Assets Forward commitments — — Other Assets Forward commitments 51,500 (399) Other Liabilities Undesignated interest rate swaps 11,266 (453) Other Liabilities Undesignated interest rate swaps 2,231 54 Other Assets The table below identifies the income statement category of the gains and losses recognized in income on Heartland's other free standing derivative instruments not designated as hedging instruments for the years ended December 31, 2019, and December 31, 2018, in thousands: Income Statement Category Year-to-Date Gain (Loss) Recognized December 31, 2019 Interest rate lock commitments (mortgage) Net gains on sale of loans held for sale $ 18 Forward commitments Net gains on sale of loans held for sale 15 Forward commitments Net gains on sale of loans held for sale 287 Undesignated interest rate swaps Other noninterest income (66) December 31, 2018 Interest rate lock commitments (mortgage) Net gains on sale of loans held for sale $ (3,269) Forward commitments Net gains on sale of loans held for sale (170) Forward commitments Net gains on sale of loans held for sale (161) Undesignated interest rate swaps Other noninterest income 339

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES The current income tax provision reflects the tax consequences of revenue and expenses currently taxable or deductible on various income tax returns for the year reported. The deferred income tax provision generally reflects the net change in deferred income tax assets and liabilities during the year, excluding any deferred income tax assets and liabilities of acquired businesses. The components of the provision for income taxes for the years ended December 31, 2019, 2018, and 2017 were as follows, in thousands: 2019 2018 2017 Current: Federal $ 24,106 $ 16,769 $ 25,532 State 11,298 8,686 5,025 Total current expense $ 35,404 $ 25,455 $ 30,557 Deferred: Federal $ 760 $ 2,615 $ 12,370 State (1,174) 145 893 Total deferred expense (benefit) $ (414) $ 2,760 $ 13,263 Total income tax expense $ 34,990 $ 28,215 $ 43,820 In response to the enactment of the Tax Cuts and Jobs Act on December 22, 2017, which reduced the corporate federal tax rate from a graduated maximum 35% to a flat 21%, Heartland recorded $10.4 million of income tax expense in 2017 to adjust the value of its deferred tax assets and liabilities. Temporary differences between the amounts reported in the financial statements and the tax basis of assets and liabilities result in deferred taxes. Deferred tax assets and liabilities at December 31, 2019 and 2018, were as follows, in thousands: 2019 2018 Deferred tax assets: Tax effect of net unrealized loss on securities carried at fair value reflected in stockholders’ equity $ — $ 11,148 Tax effect of net unrealized loss on derivatives reflected in stockholders’ equity 563 — Allowance for loan losses 17,686 16,682 Deferred compensation 8,071 7,042 Organization and acquisitions costs 337 319 Net operating loss carryforwards 18,459 14,495 Non-accrual loan interest 853 863 OREO write-downs 921 1,469 Tax credit projects 4,252 5,254 Other 2,643 1,961 Gross deferred tax assets 53,785 59,233 Valuation allowance (12,379) (12,125) Gross deferred tax assets $ 41,406 $ 47,108 Deferred tax liabilities: Tax effect of net unrealized gain on securities carried at fair value reflected in stockholders’ equity $ (279) $ — Tax effect of net unrealized gain on derivatives reflected in stockholders’ equity — (160) Securities (4,240) (2,332) Premises, furniture and equipment (6,232) (6,514) Tax bad debt reserves (422) (427) Purchase accounting (7,824) (6,339) Prepaid expenses (2,176) (203) Servicing rights (1,421) (7,933) Deferred loan fees (3,342) (3,321) Other (1,870) (380) Gross deferred tax liabilities $ (27,806) $ (27,609) Net deferred tax asset $ 13,600 $ 19,499 The deferred tax assets (liabilities) related to net unrealized gains (losses) on securities available for sale and on derivatives had no effect on income tax expense as these gains and losses, net of taxes, were recorded in other comprehensive income (loss), other than for the effect of the federal tax rate. In 2017, the effect of the enacted change in the federal corporate tax rate resulted in tax expense totaling $4.5 million to adjust the deferred tax assets (liabilities) related to net unrealized gains (losses) on securities available for sale and on derivatives. As a result of acquisitions, Heartland had net operating loss carryforwards for federal income tax purposes of approximately $31.9 million at December 31, 2019, and $24.4 million at December 31, 2018. The associated deferred tax asset was $6.7 million at December 31, 2019, and $5.1 million at December 31, 2018. These net carryforwards expire during the period from December 31, 2026, through December 31, 2039, and are subject to an annual limitation of approximately $6.8 million. Net operating loss carryforwards for state income tax purposes were approximately $163.7 million at December 31, 2019, and $121.1 million at December 31, 2018. The associated deferred tax asset, net of federal tax, was $11.8 million at December 31, 2019, and $9.4 million at December 31, 2018. These carryforwards have begun to expire and will continue to do so until December 31, 2039. A valuation allowance against the deferred tax asset due to the uncertainty surrounding the utilization of these state net operating loss carryforwards was $10.1 million at December 31, 2019, and $8.1 million at December 31, 2018. During both 2019 and 2018, Heartland had book write-downs on investments that, for tax purposes, would generate capital losses upon disposal. Due to the uncertainty of Heartland's ability to utilize the potential capital losses, a valuation allowance for these potential losses totaled $2.3 million at December 31, 2019, and $4.0 million at December 31, 2018. In 2019, Heartland released valuation allowances of $1.9 million on deferred tax assets for capital losses it expects to realize on the disposal of partnership investments. Heartland generated capital gains from its 2019 strategic developments, which included various branch sales not conducted in the ordinary course of its business strategy. As a result of its net capital gains, Heartland was able to realize the benefit of its capital losses. Realization of the deferred tax asset over time is dependent upon the existence of taxable income in carryback periods or the ability to generate sufficient taxable income in future periods. In determining that realization of the deferred tax asset was more likely than not, Heartland gave consideration to a number of factors, including its taxable income during carryback periods, its recent earnings history, its expectations for earnings in the future and, where applicable, the expiration dates associated with its tax carryforwards. The actual income tax expense from continuing operations differs from the expected amounts for the years ended December 31, 2019, 2018, and 2017, (computed by applying the U.S. federal corporate tax rate of 21% for 2019 and 2018 income before income taxes and 35% for 2017 income before income taxes) are as follows, in thousands: 2019 2018 2017 Computed "expected" tax on net income $ 38,665 $ 30,495 $ 41,682 Increase (decrease) resulting from: Nontaxable interest income (3,281) (4,423) (9,282) State income taxes, net of federal tax benefit 8,509 6,976 3,846 Tax credits (6,860) (4,085) (2,390) Valuation allowance (1,648) 23 405 Excess tax benefit on stock compensation (229) (657) (1,130) Deferred tax adjustment due to Tax Cuts and Jobs Act enactment — — 10,396 Other (166) (114) 293 Income taxes $ 34,990 $ 28,215 $ 43,820 Effective tax rates 19.0 % 19.4 % 36.8 % Heartland's income taxes included solar energy credits totaling $4.0 million, $2.9 million, and $449,000 during 2019, 2018 and 2017, respectively. Federal historic rehabilitation tax credits included in Heartland's income taxes totaled $1.8 million during 2019, $0, and $713,000 in 2019, 2018, and 2017, respectively. Additionally, investments in certain low-income housing partnerships totaled $6.1 million at December 31, 2019, $6.9 million at December 31, 2018, and $7.8 million at December 31, 2017. These investments generated federal low-income housing tax credits of $1.1 million during 2019 and $1.2 million for the years ended December 31, 2018 and 2017. These investments are expected to generate federal low-income housing tax credits of approximately $779,000 for 2020, $538,000 for 2021 through 2023, $322,000 for 2024, $86,000 for 2025 and $34,000 for 2026. On December 31, 2019, the amount of unrecognized tax benefits was $657,000, including $69,000 of accrued interest and penalties. On December 31, 2018, the amount of unrecognized tax benefits was $611,000, including $66,000 of accrued interest and penalties. If recognized, the entire amount of the unrecognized tax benefits would affect the effective tax rate. The tax years ended December 31, 2016, and later remain subject to examination by the Internal Revenue Service. For state purposes, the tax years ended December 31, 2014, and later remain open for examination. Heartland does not anticipate any significant increase or decrease in unrecognized tax benefits during the next twelve months.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS Heartland sponsors a defined contribution retirement plan covering substantially all employees. The plan includes matching contributions and non-elective contributions. Matching contributions and non-elective contributions are limited to a maximum amount of the participant's wages as defined by federal law. Heartland's subsidiaries made matching contributions of up to 3% of participants' wages in 2019, 2018, and 2017. Costs charged to operating expenses with respect to the matching contributions were $3.9 million, $3.5 million, and $3.3 million for 2019, 2018 and 2017, respectively.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	COMMITMENTS AND CONTINGENT LIABILITIES Heartland utilizes a variety of financial instruments in the normal course of business to meet the financial needs of customers and to manage its exposure to fluctuations in interest rates. These financial instruments include lending related and other commitments as indicated below as well as derivative instruments shown in Note 12, "Derivative Financial Instruments." The Heartland banks make various commitments and incur certain contingent liabilities that are not presented in the accompanying consolidated financial statements. The commitments and contingent liabilities include various guarantees, commitments to extend credit and standby letters of credit. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Heartland banks evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Heartland banks upon extension of credit, is based upon management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Standby letters of credit and financial guarantees written are conditional commitments issued by the Heartland banks to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. At December 31, 2019, and at December 31, 2018, commitments to extend credit aggregated $2.97 billion and $2.47 billion, respectively, and standby letters of credit aggregated $79.5 million and $71.9 million, respectively. Heartland enters into commitments to sell mortgage loans to reduce interest rate risk on certain mortgage loans held for sale and loan commitments, which were recorded in the consolidated balance sheets at their fair values. Heartland does not anticipate any material loss as a result of the commitments and contingent liabilities. Residential mortgage loans sold to others are predominantly conventional residential first lien mortgages originated under Heartland's usual underwriting procedures, and are most often sold on a nonrecourse basis. Heartland's agreements to sell residential mortgage loans in the normal course of business, primarily to GSE's, which usually require certain representations and warranties on the underlying loans sold, related to credit information, loan documentation, collateral, and insurability, which if subsequently are untrue or breached, could require Heartland to repurchase certain loans affected. Heartland had a recorded repurchase obligation of $313,000 at both December 31, 2019, and December 31, 2018, respectively, which is included in other liabilities on the consolidated balance sheets. Heartland had no new requests for repurchases during 2019 and 2018. Heartland has a loss reserve for unfunded commitments, including loan commitments and letters of credit. At December 31, 2019, and December 31, 2018, the reserve for unfunded commitments, which is included in other liabilities on the consolidated balance sheets, was approximately $248,000 and $172,000, respectively. The appropriateness of the reserve for unfunded commitments is reviewed on a quarterly basis, based upon changes in the amounts of commitments, delinquencies and economic conditions. There are certain legal proceedings pending against Heartland and its subsidiaries at December 31, 2019, that are ordinary routine litigation incidental to business. While the ultimate outcome of current legal proceedings cannot be predicted with certainty, it is the opinion of management that the resolution of these legal actions should not have a material effect on Heartland's consolidated financial position or results of operations.

Stock-based Compensation

Stock-based Compensation	12 Months Ended
	Dec. 31, 2018
Share-based Payment Arrangement [Abstract]
Stock-based Compensation	STOCK-BASED COMPENSATION Heartland may grant, through its Nominating and Compensation Committee (the "Compensation Committee") non-qualified and incentive stock options, stock appreciation rights, stock awards, restricted stock, restricted stock units and other equity-based incentive awards, under its 2012 Long-Term Incentive Plan (the "Plan"). The Plan was originally approved by stockholders in May 2012 and was amended and restated effective March 8, 2016, to increase the number of shares of common stock authorized for issuance and make certain other changes to the Plan. At December 31, 2019, 348,140 shares of common stock were reserved for future issuance under awards that may be granted under the Plan to employees and directors of, and service providers to, Heartland or its subsidiaries. FASB ASC Topic 718, " Compensation-Stock Compensation " requires the measurement of the cost of employee services received in exchange for an award of equity instruments based upon the fair value of the award on the grant date. The cost of the award is based upon its fair value estimated on the date of grant and recognized in the consolidated statements of income over the vesting period of the award. The fair market value of restricted stock and restricted stock units is based on the fair value of the underlying shares of common stock on the date of grant. The fair value of stock options is estimated on the date of grant using the Black-Scholes model. Forfeitures are accounted for as they occur. The amount of tax benefit related to the exercise, vesting, and forfeiture of equity-based awards reflected as a tax benefit in Heartland's income tax expense was $266,000 and $674,000 for the years ended December 31, 2019, and 2018, respectively. Options Although the Plan provides authority to the Compensation Committee to grant stock options, no options were granted during the years ended December 31, 2019, 2018 and 2017. Prior to 2009, options were typically granted annually with an expiration date 10 years after the date of grant. Vesting was generally over a five 2019 2018 2017 Shares Weighted-Average Exercise Price Shares Weighted-Average Exercise Price Shares Weighted-Average Exercise Price Outstanding at January 1 — $ — 6,500 $ 18.60 26,400 $ 18.60 Granted — — — — — — Exercised — — (6,500) 18.60 (19,400) 18.60 Forfeited — — — — (500) 18.60 Outstanding at December 31 — $ — — $ — 6,500 $ 18.60 Options exercisable at December 31 — $ — — $ — 6,500 $ 18.60 No shares under stock options vested during the year ended December 31, 2019. There were no compensation costs recorded for stock options for the years ended December 31, 2019, 2018 and 2017. There are no unrecorded compensation costs related to options at December 31, 2019. Cash received from options exercised for the year ended December 31, 2019, was $0. Cash received from options exercised for the year ended December 31, 2018, was $121,000. Restricted Stock Units The Plan permits the Compensation Committee to grant restricted stock units ("RSUs"). In the first quarter of 2019, the Compensation Committee granted time-based RSUs with respect to 90,073 shares of common stock, and in the first quarter of 2018, the Compensation Committee granted time-based RSUs with respect to 52,153 shares of common stock to selected officers and employees. The time-based RSUs, which represent the right, without payment, to receive shares of Heartland common stock at a specified date in the future. The time-based RSUs granted in 2019 and 2018 vest over three years in equal installments on March 6 of each of the three years following the year of the grant. The time-based RSUs may also vest upon death or disability, upon a change in control or upon a "qualified retirement" (as defined in the RSU agreement). The retiree is required to sign a non-solicitation agreement as a condition to vesting. The Compensation Committee granted three three In addition to the three one one The one three All of Heartland's RSUs will be settled in common stock upon vesting and are not entitled to dividends until vested. The Compensation Committee may grant RSUs under the Plan to directors as part of their compensation, to new management level employees at the commencement of employment, and to other employees as incentives. During the years ended December 31, 2019, 2018, and 2017, 37,544, 36,462 and 17,106 RSUs, respectively, were granted to directors and new employees. A summary of the status of RSUs as of December 31, 2019, 2018 and 2017, and changes during the years ended December 31, 2019, 2018, and 2017, follows: 2019 2018 2017 Shares Weighted-Average Grant Date Fair Value Shares Weighted-Average Grant Date Fair Value Shares Weighted-Average Grant Date Fair Value Outstanding at January 1 266,995 $ 43.89 301,578 $ 34.74 346,817 $ 27.61 Granted 162,465 45.09 123,711 55.13 109,373 47.22 Vested (148,158) 39.27 (127,744) 32.73 (137,394) 26.66 Forfeited (26,919) 49.20 (30,550) 45.69 (17,218) 34.02 Outstanding at December 31 254,383 $ 46.76 266,995 $ 43.89 301,578 $ 34.74 Total compensation costs recorded for RSUs were $5.8 million, $4.4 million and $3.2 million, for 2019, 2018 and 2017, respectively. As of December 31, 2019, there were $4.9 million of total unrecognized compensation costs related to the Plan for RSUs which are expected to be recognized through 2022. Employee Stock Purchase Plan Heartland maintains an employee stock purchase plan (the "ESPP"), which was adopted in May 2016 and replaced the 2006 ESPP, that permits all eligible employees to purchase shares of Heartland common stock at a price of not less than 95% of the fair market value (as determined by the Compensation Committee) on the determination date. Under ASC Topic 718, compensation expense related to the ESPP of $222,000 was recorded in 2019, $91,000 was recorded in 2018, and $153,000 was recorded in 2017 because the price of the shares purchased was set at the beginning of the year for the purchases at the end of the year.

Stockholder Rights Plan

Stockholder Rights Plan	12 Months Ended
	Dec. 31, 2019
Temporary Equity Disclosure [Abstract]
Stockholder Rights Plan	STOCKHOLDER RIGHTS PLAN Heartland adopted an Amended and Restated Rights Agreement (the "Extended Rights Plan"), dated as of January 17, 2012, which became effective upon approval by the stockholders on May 16, 2012. The primary purpose of the Extended Rights Plan was to extend the term of the Rights Agreement dated as of June 7, 2002, for an additional ten The Series A Preferred Stock has a preferential quarterly dividend rate equal to the greater of $1.00 per share or 1,000 times the dividend declared on one share of common stock, a preference over common stock in liquidation equal to the greater of $1,000 per share or 1,000 times the payment made on one share of common stock, 1,000 votes per share voting together with the common stock, customary anti-dilution provisions and other rights that approximate the rights of one share of common stock. The Rights separate from the common stock and become exercisable only on the tenth day (the "Distribution Date") following the earlier of (i) a public announcement that a person or group of affiliated or associated persons (subject to certain exclusions, "Acquiring Persons") has commenced an offer to acquire "beneficial ownership" of 15% or more of Heartland's outstanding common stock, or (ii) actual acquisition of this level of beneficial ownership. If any person or group of affiliated or associated persons becomes an Acquiring Person, each holder of a Right, other than Rights that were or are beneficially owned by the Acquiring Person (which will thereafter be void), will have the right to receive upon exercise that number of shares of common stock having a market value of two times the Purchase Price. In 2002, when the Rights Plan was originally created, Heartland designated 16,000 shares, par value $1.00 per share, of Series A Preferred Stock. There are no shares of Series A Preferred issued and outstanding, and Heartland does not anticipate issuing any shares of such, except as may be required under the Extended Rights Plan.

Capital Issuances

Capital Issuances	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Capital Issuances	CAPITAL ISSUANCES Common Stock For a description of the issuance of shares of Heartland common stock in connection with acquisitions, see Note 2, "Acquisitions," of the consolidated financial statements. For a description of the issuance of shares of Heartland common stock in connection with the 2012 Long-Term Incentive Plan and the 2016 ESPP, see Note 16, "Stock-Based Compensation." Shelf Registration Heartland filed a universal shelf registration with the SEC to register debt or equity securities on August 8, 2019, that expires in August 2022. This registration statement, which was effective immediately, provides Heartland the ability to raise capital, subject to market conditions and SEC rules and limitations, if Heartland's board of directors decides to do so. This registration statement permits Heartland, from time to time, in one or more public offerings, to offer debt securities, subordinated notes, common stock, preferred stock, rights or any combination of these securities. The amount of securities that may have been offered was not specified in the registration statement, and the terms of any future offerings were to be established at the time of the offering.

Regulatory Capital Requirements

Regulatory Capital Requirements and Restrictions on Subsidiary Dividends	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Regulatory Capital Requirements and Restrictions on Subsidiary Dividends	REGULATORY CAPITAL REQUIREMENTS AND RESTRICTIONS ON SUBSIDIARY DIVIDENDS The Heartland banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Heartland banks’ financial statements. The regulations prescribe specific capital adequacy guidelines that involve quantitative measures of a bank’s assets, liabilities and certain off balance sheet items as calculated under regulatory accounting practices. Capital classification is also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Heartland banks to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). The requirements to be categorized as well-capitalized under the Tier 1 leverage capital ratio is 4% for all banks. The minimum requirement to be well-capitalized for the Tier 1 risk-based capital ratio is 8%. The total risk-based capital ratio minimum requirement to be well-capitalized remained is 10%. Management believes, as of December 31, 2019 and 2018, that the Heartland banks met all capital adequacy requirements to which they were subject. As of December 31, 2019 and 2018, the FDIC categorized each of the Heartland banks as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Heartland banks must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 common equity and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since December 31, 2019, that management believes have changed each institution’s category. The Heartland banks’ actual capital amounts and ratios are also presented in the tables below, in thousands: Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2019 Total Capital (to Risk-Weighted Assets) Consolidated $ 1,388,511 13.75 % $ 807,881 8.00 % N/A Dubuque Bank and Trust Company 168,959 14.55 92,872 8.00 $ 116,090 10.00 % Illinois Bank & Trust 107,678 10.54 81,731 8.00 102,164 10.00 Wisconsin Bank & Trust 117,355 14.13 66,431 8.00 83,039 10.00 New Mexico Bank & Trust 157,555 12.33 102,193 8.00 127,741 10.00 Arizona Bank & Trust 75,498 11.19 53,982 8.00 67,477 10.00 Rocky Mountain Bank 53,266 13.80 30,868 8.00 38,585 10.00 Citywide Banks 240,735 13.88 138,704 8.00 173,380 10.00 Minnesota Bank & Trust 76,400 13.50 45,260 8.00 56,575 10.00 Bank of Blue Valley 145,256 14.50 80,153 8.00 100,191 10.00 Premier Valley Bank 91,257 13.21 55,273 8.00 69,091 10.00 First Bank & Trust 109,545 14.11 62,128 — 8.00 77,660 10.00 Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2019 Tier 1 Capital (to Risk-Weighted Assets) Consolidated $ 1,243,582 12.31 % $ 605,911 6.00 % N/A Dubuque Bank and Trust Company 159,579 13.75 69,654 6.00 $ 92,872 8.00 % Illinois Bank & Trust 103,011 10.08 61,298 6.00 81,731 8.00 Wisconsin Bank & Trust 109,939 13.24 49,824 6.00 66,431 8.00 New Mexico Bank & Trust 148,227 11.60 76,645 6.00 102,193 8.00 Arizona Bank & Trust 69,648 10.32 40,486 6.00 53,982 8.00 Rocky Mountain Bank 48,692 12.62 23,151 6.00 30,868 8.00 Citywide Banks 231,085 13.33 104,028 6.00 138,704 8.00 Minnesota Bank & Trust 70,235 12.41 33,945 6.00 45,260 8.00 Bank of Blue Valley 140,195 13.99 60,115 6.00 80,153 8.00 Premier Valley Bank 87,335 12.64 41,455 6.00 55,273 8.00 First Bank & Trust 104,914 13.51 46,596 6.00 62,128 8.00 Common Equity Tier 1 (to Risk-Weighted Assets) Consolidated $ 1,098,428 10.88 % $ 454,433 4.50 % N/A Dubuque Bank and Trust Company 159,579 13.75 52,241 4.50 $ 75,459 6.50 % Illinois Bank & Trust 103,011 10.08 45,974 4.50 66,407 6.50 Wisconsin Bank & Trust 109,939 13.24 37,368 4.50 53,976 6.50 New Mexico Bank & Trust 148,227 11.60 57,484 4.50 83,032 6.50 Arizona Bank & Trust 69,648 10.32 30,365 4.50 43,860 6.50 Rocky Mountain Bank 48,692 12.62 17,363 4.50 25,080 6.50 Citywide Banks 231,085 13.33 78,021 4.50 112,697 6.50 Minnesota Bank & Trust 70,235 12.41 25,459 4.50 36,774 6.50 Bank of Blue Valley 140,195 13.99 45,086 4.50 65,124 6.50 Premier Valley Bank 87,335 12.64 31,091 4.50 44,909 6.50 First Bank & Trust 104,914 13.51 34,947 — 4.50 50,479 6.50 Tier 1 Capital (to Average Assets) Consolidated $ 1,243,582 10.10 % $ 492,725 4.00 % N/A Dubuque Bank and Trust Company 159,579 9.83 64,961 4.00 $ 81,202 5.00 % Illinois Bank & Trust 103,011 10.26 40,144 4.00 50,180 5.00 Wisconsin Bank & Trust 109,939 10.76 40,863 4.00 51,078 5.00 New Mexico Bank & Trust 148,227 9.11 65,076 4.00 81,345 5.00 Arizona Bank & Trust 69,648 9.87 28,235 4.00 35,293 5.00 Rocky Mountain Bank 48,692 9.22 21,132 4.00 26,415 5.00 Citywide Banks 231,085 10.66 86,732 4.00 108,416 5.00 Minnesota Bank & Trust 70,235 10.51 26,740 4.00 33,426 5.00 Bank of Blue Valley 140,195 11.07 50,638 4.00 63,297 5.00 Premier Valley Bank 87,335 10.43 33,487 4.00 41,859 5.00 First Bank & Trust 104,914 10.25 40,941 4.00 51,177 5.00 Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to Risk-Weighted Assets) Consolidated $ 1,200,947 13.72 % $ 700,490 8.00 % N/A Dubuque Bank and Trust Company 165,687 14.10 93,975 8.00 $ 117,469 10.00 % Illinois Bank & Trust 74,657 13.02 45,884 8.00 57,355 10.00 Wisconsin Bank & Trust 115,318 13.90 66,351 8.00 82,939 10.00 New Mexico Bank & Trust 150,261 12.92 93,063 8.00 116,328 10.00 Arizona Bank & Trust 63,606 11.90 42,766 8.00 53,458 10.00 Rocky Mountain Bank 51,982 14.26 29,160 8.00 36,449 10.00 Citywide Banks 235,691 13.46 140,117 8.00 175,146 10.00 Minnesota Bank & Trust 69,002 12.99 42,493 8.00 53,117 10.00 Bank of Blue Valley (1) 72,520 16.14 35,937 8.00 44,922 10.00 Premier Valley Bank 85,710 13.71 50,017 8.00 62,521 10.00 First Bank & Trust 102,795 13.48 61,004 8.00 76,255 10.00 Tier 1 Capital (to Risk-Weighted Assets) Consolidated $ 1,064,669 12.16 % $ 525,368 6.00 % N/A Dubuque Bank and Trust Company 155,391 13.23 70,482 6.00 $ 93,975 8.00 % Illinois Bank & Trust 70,470 12.29 34,413 6.00 45,884 8.00 Wisconsin Bank & Trust 108,193 13.04 49,763 6.00 66,351 8.00 New Mexico Bank & Trust 141,161 12.13 69,797 6.00 93,063 8.00 Arizona Bank & Trust 59,993 11.22 32,075 6.00 42,766 8.00 Rocky Mountain Bank 48,428 13.29 21,870 6.00 29,160 8.00 Citywide Banks 226,645 12.94 105,088 6.00 140,117 8.00 Minnesota Bank & Trust 63,633 11.98 31,870 6.00 42,493 8.00 Bank of Blue Valley (1) 67,975 15.13 26,953 6.00 35,937 8.00 Premier Valley Bank 82,321 13.17 37,513 6.00 50,017 8.00 First Bank & Trust 100,884 13.23 45,753 6.00 61,004 8.00 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 933,755 10.66 % $ 394,026 4.50 % N/A Dubuque Bank and Trust Company 155,391 13.23 52,861 4.50 $ 76,355 6.50 % Illinois Bank & Trust 70,470 12.29 25,810 4.50 37,281 6.50 Wisconsin Bank & Trust 108,193 13.04 37,323 4.50 53,910 6.50 New Mexico Bank & Trust 141,161 12.13 52,348 4.50 75,613 6.50 Arizona Bank & Trust 59,993 11.22 24,056 4.50 34,748 6.50 Rocky Mountain Bank 48,428 13.29 16,402 4.50 23,692 6.50 Citywide Banks 226,645 12.94 78,816 4.50 113,845 6.50 Minnesota Bank & Trust 63,633 11.98 23,903 4.50 34,526 6.50 Bank of Blue Valley (1) 67,975 15.13 20,215 4.50 29,199 6.50 Premier Valley Bank 82,321 13.17 28,134 4.50 40,639 6.50 First Bank & Trust 100,884 13.23 34,315 4.50 49,566 6.5 Tier 1 Capital (to Average Assets) Consolidated $ 1,064,669 9.73 % $ 437,858 4.00 % N/A Dubuque Bank and Trust Company 155,391 9.97 62,317 4.00 $ 77,897 5.00 % Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Illinois Bank & Trust 70,470 8.56 32,941 4.00 41,177 5.00 Wisconsin Bank & Trust 108,193 10.47 41,317 4.00 51,647 5.00 New Mexico Bank & Trust 141,161 9.58 58,958 4.00 73,697 5.00 Arizona Bank & Trust 59,993 9.20 26,089 4.00 32,611 5.00 Rocky Mountain Bank 48,428 9.82 19,730 4.00 24,662 5.00 Citywide Banks 226,645 10.53 86,129 4.00 107,662 5.00 Minnesota Bank & Trust 63,633 10.00 25,445 4.00 31,806 5.00 Bank of Blue Valley (1) 67,975 11.31 24,041 4.00 30,052 5.00 Premier Valley Bank 82,321 10.53 31,285 4.00 39,106 5.00 First Bank & Trust 100,884 10.13 39,846 4.00 49,807 5.00 (1) Morrill & Janes Bank and Trust Company changed its name to Bank of Blue Valley upon the acquisition of Blue Valley Ban Corp. on May 10, 2019. The ability of Heartland to pay dividends to its stockholders is dependent upon dividends paid by its subsidiaries. The Heartland banks are subject to certain statutory and regulatory restrictions on the amount they may pay in dividends. To maintain acceptable capital ratios for the Banks, certain portions of their retained earnings are not available for the payment of dividends. Retained earnings that could be available for the payment of dividends to Heartland totaled approximately $533.9 million as of December 31, 2019, under the most restrictive minimum capital requirements. Retained earnings that could be available for the payment of dividends to Heartland totaled approximately $331.5 million as of December 31, 2019, under the capital requirements to remain well capitalized.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value	FAIR VALUE Heartland utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Securities carried at fair value, which include available for sale, trading securities and equity securities with a readily determinable fair value, and derivatives are recorded in the consolidated balance sheets at fair value on a recurring basis. Additionally, from time to time, Heartland may be required to record at fair value other assets on a nonrecurring basis such as loans held for sale, loans held to maturity and certain other assets including, but not limited to, mortgage servicing rights, commercial servicing rights and other real estate owned. These nonrecurring fair value adjustments typically involve application of lower of cost or fair value accounting or write-downs of individual assets. Fair Value Hierarchy Under ASC 820, assets and liabilities are grouped at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are: Level 1 — Valuation is based upon quoted prices for identical instruments in active markets. Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 — Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The following is a description of valuation methodologies used for assets and liabilities recorded at fair value on a recurring or non-recurring basis. Assets Securities Available for Sale and Held to Maturity Securities available for sale are recorded at fair value on a recurring basis. Securities held to maturity are generally recorded at cost and are only recorded at fair value to the extent a decline in fair value is determined to be other-than-temporary. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, as well as U.S. Treasury securities. Level 2 securities include U.S. government and agency securities, mortgage and asset-backed securities and private collateralized mortgage obligations, municipal bonds, equity securities and corporate debt securities. On a quarterly basis, a secondary independent pricing service is used for the securities portfolio to validate the pricing from Heartland's primary pricing service. Equity Securities with a Readily Determinable Fair Value Equity securities with a readily determinable fair value generally include Community Reinvestment Act mutual funds and are classified as Level 2 due to the infrequent trading of these securities. The fair value is based on the price per share. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value on an aggregate basis. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, Heartland classifies loans held for sale subjected to nonrecurring fair value adjustments as Level 2. Prior to December 31, 2018, Heartland entered into an agreement with a third-party to sell the loan portfolios of its consumer finance subsidiaries. The loan portfolios were classified as held for sale and recorded at fair value at December 31, 2018. Heartland classified these loans as nonrecurring Level 3 in the fair value hierarchy because the negotiated sales price was unobservable. Loans Held to Maturity Heartland does not record loans held to maturity at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment in accordance with ASC 310. The fair value of impaired loans is measured using one of the following impairment methods: 1) the present value of expected future cash flows discounted at the loan's effective interest rate or 2) the observable market price of the loan or 3) the fair value of the collateral if the loan is collateral dependent. In accordance with ASC 820, impaired loans measured at fair value are classified as nonrecurring Level 3 in the fair value hierarchy. Premises, Furniture and Equipment Held for Sale Heartland values premises, furniture and equipment held for sale based on third-party appraisals less estimated disposal costs. Heartland considers third party appraisals, as well as independent fair value assessments from Realtors or persons involved in selling bank premises, furniture and equipment, in determining the fair value of particular properties. Accordingly, the valuation of premises, furniture and equipment held for sale is subject to significant external and internal judgment. Heartland periodically reviews premises, furniture and equipment held for sale to determine if the fair value of the property, less disposal costs, has declined below its recorded book value and records any adjustments accordingly. Premises, furniture and equipment held for sale are classified as nonrecurring Level 3 in the fair value hierarchy. Mortgage Servicing Rights Mortgage servicing rights assets represent the value associated with servicing residential real estate loans that have been sold to outside investors with servicing retained. The fair value for servicing assets is determined through discounted cash flow analysis and utilizes discount rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. Mortgage servicing rights are subject to impairment testing. The carrying values of these rights are reviewed quarterly for impairment based upon the calculation of fair value as performed by an outside third party. For purposes of measuring impairment, the rights are stratified into certain risk characteristics including note type and note term. If the valuation model reflects a value less than the carrying value, mortgage servicing rights are adjusted to fair value through a valuation allowance. Heartland classifies mortgage servicing rights as nonrecurring with Level 3 measurement inputs. Commercial Servicing Rights Commercial servicing rights assets represent the value associated with servicing commercial loans guaranteed by the Small Business Administration and United States Department of Agriculture that have been sold with servicing retained by Heartland. Heartland uses the amortization method (i.e., the lower of amortized cost or estimated fair value measured on a nonrecurring basis), not fair value measurement accounting, to determine the carrying value of its commercial servicing rights. The fair value for servicing assets is determined through market prices for comparable servicing contracts, when available, or through a valuation model that calculates the present value of estimated future net servicing income. Inputs utilized include discount rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. Commercial servicing rights are subject to impairment testing, and the carrying values of these rights are reviewed quarterly for impairment based upon the calculation of fair value as performed by an outside third party. If the valuation model reflects a fair value less than the carrying value, commercial servicing rights are adjusted to fair value through a valuation allowance. Heartland classifies commercial servicing rights as nonrecurring with Level 3 measurement inputs. Derivative Financial Instruments Heartland's current interest rate risk strategy includes interest rate swaps. The valuation of these instruments is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. To comply with the provisions of ASC 820, Heartland incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counterparty's nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, Heartland has considered the impact of netting any applicable credit enhancements, such as collateral postings, thresholds, mutual puts, and guarantees. Although Heartland has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with its derivatives utilize Level 3 inputs, such as estimates of current credit spreads to evaluate the likelihood of default by itself and its counterparties. However, as of December 31, 2019, and December 31, 2018, Heartland has assessed the significance of the impact of the credit valuation adjustments on the overall valuation of its derivative positions and has determined that the credit valuation adjustments are not significant to the overall valuation of its derivatives. As a result, Heartland has determined that its derivative valuations in their entirety are classified in Level 2 of the fair value hierarchy. Interest Rate Lock Commitments Heartland uses an internal valuation model that relies on internally developed inputs to estimate the fair value of its interest rate lock commitments which is based on unobservable inputs that reflect management's assumptions and specific information about each borrower. Interest rate lock commitments are classified in Level 3 of the fair value hierarchy. Forward Commitments The fair value of forward commitments are estimated using an internal valuation model, which includes current trade pricing for similar financial instruments in active markets that Heartland has the ability to access and are classified in Level 2 of the fair value hierarchy. Other Real Estate Owned Other real estate owned ("OREO") represents property acquired through foreclosures and settlements of loans. Property acquired is carried at the fair value of the property at the time of acquisition (representing the property's cost basis), plus any acquisition costs, or the estimated fair value of the property, less disposal costs. Heartland considers third party appraisals, as well as independent fair value assessments from realtors or persons involved in selling OREO, in determining the fair value of particular properties. Accordingly, the valuation of OREO is subject to significant external and internal judgment. Heartland periodically reviews OREO to determine if the fair value of the property, less disposal costs, has declined below its recorded book value and records any adjustments accordingly. OREO is classified as nonrecurring Level 3 of the fair value hierarchy. The table below presents Heartland's assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2019, and December 31, 2018, in thousands, aggregated by the level in the fair value hierarchy within which those measurements fall: Total Fair Value Level 1 Level 2 Level 3 December 31, 2019 Assets Securities available for sale U.S. government corporations and agencies $ 9,893 $ 8,503 $ 1,390 $ — Mortgage and asset-backed securities 2,577,278 — 2,577,278 — Obligations of states and political subdivisions 707,190 — 707,190 — Equity securities with a readily determinable fair value 18,435 — 18,435 — Derivative financial instruments (1) 17,527 — 17,527 — Interest rate lock commitments 681 — — 681 Forward commitments 15 — 15 — Total assets at fair value $ 3,331,019 $ 8,503 $ 3,321,835 $ 681 Liabilities Derivative financial instruments (2) $ 21,462 $ — $ 21,462 $ — Forward commitments 113 — 113 — Total liabilities at fair value $ 21,575 $ — $ 21,575 $ — December 31, 2018 Assets Securities available for sale U.S. government corporations and agencies $ 31,951 $ 25,414 $ 6,537 $ — Mortgage-backed securities 2,026,698 — 2,026,698 — Obligations of states and political subdivisions 374,974 — 374,974 — Equity securities 17,086 — 17,086 — Derivative financial instruments (1) 6,539 — 6,539 — Interest rate lock commitments 725 — — 725 Forward commitments — — — — Total assets at fair value $ 2,457,973 $ 25,414 $ 2,431,834 $ 725 Liabilities Derivative financial instruments (2) $ 6,044 $ — $ 6,044 $ — Forward commitments 399 — 399 — Total liabilities at fair value $ 6,443 $ — $ 6,443 $ — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments. The tables below present Heartland's assets that are measured at fair value on a nonrecurring basis, in thousands: Fair Value Measurements at December 31, 2019 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (Gains)/Losses Collateral dependent impaired loans: Commercial $ 15,173 $ — $ — $ 15,173 $ 1,114 Commercial real estate 4,592 — — 4,592 72 Agricultural and agricultural real estate 12,623 — — 12,623 1,254 Residential real estate 3,088 — — 3,088 10 Consumer 988 — — 988 — Total collateral dependent impaired loans $ 36,464 $ — $ — $ 36,464 $ 2,450 Loans held for sale $ 26,748 $ — $ 26,748 $ — $ (980) Other real estate owned $ 6,914 $ — $ — $ 6,914 $ 947 Premises, furniture and equipment held for sale $ 2,967 $ — $ — $ 2,967 $ 735 Servicing rights $ 5,621 $ — $ — $ 5,621 $ 911 Fair Value Measurements at December 31, 2018 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (Gains)/Losses Collateral dependent impaired loans: Commercial $ 12,932 $ — $ — $ 12,932 $ 660 Commercial real estate 405 — — 405 72 Agricultural and agricultural real estate 11,070 — — 11,070 575 Residential real estate 478 — — 478 — Consumer 624 — — 624 — Total collateral dependent impaired loans $ 25,509 $ — $ — $ 25,509 $ 1,307 Loans held for sale $ 119,801 $ — $ 52,577 $ 67,224 $ (1,870) Other real estate owned $ 6,153 $ — $ — $ 6,153 $ 2,647 Premises, furniture and equipment held for sale $ 7,258 $ — $ — $ 7,258 $ 59 Servicing rights $ 7,143 $ — $ — $ 7,143 $ 58 Heartland entered into an agreement to sell the loan portfolios of its consumer finance subsidiaries during the fourth quarter of 2018, which were recorded at fair value at December 31, 2018. The fair value of the portfolios was $67.2 million, and Heartland recorded a benefit to provision for loan losses of $953,000 in 2018 associated with the transaction. The following tables present additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which Heartland has utilized Level 3 inputs to determine fair value, in thousands: Fair Value at 12/31/19 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate lock $ 681 Discounted cash flows Closing ratio 0 - 99% (90%) (1) Premises, furniture and equipment held for sale 2,967 Modified appraised value Third party appraisal (2) Appraisal discount 0-10% (3) Other real estate owned 6,914 Modified appraised value Third party appraisal (2) Appraisal discounts 0-10% (3) Servicing rights 5,621 Discounted cash flows Third party valuation (4) Collateral dependent impaired loans: Commercial 15,173 Modified appraised value Third party appraisal (2) Appraisal discount 0-25% (3) Commercial real estate 4,592 Modified appraised value Third party appraisal (2) Appraisal discount 0-14% (3) Agricultural and agricultural real estate 12,623 Modified appraised value Third party appraisal (2) Appraisal discount 0-15% (3) Residential real estate 3,088 Modified appraised value Third party appraisal (2) Appraisal discount 0-25% (3) Consumer 988 Modified appraised value Third party valuation (2) Valuation discount 0-10% (3) (1) The significant unobservable input used in the fair value measurement is the closing ratio, which represents the percentage of loans currently in a lock position which management estimates will ultimately close. The closing ratio calculation takes into consideration historical data and loan-level data. (2) Third party appraisals are obtained and updated at least annually to establish the value of the underlying asset, but the disclosure of the unobservable inputs used by the appraisers would not be meaningful because the range will vary widely from appraisal to appraisal. (3) Discounts applied to the appraised values primarily include estimated sales costs, but also consider the age of the appraisal, changes in local market conditions and changes in the current condition of the collateral. (4) The significant unobservable input used in the fair value measurement are the value indices, which are weighted-average spreads to LIBOR based on maturity groups. Fair Value at 12/31/18 Valuation Technique Unobservable Input Range (Weighted Average) Loans available for sale $ 67,224 Discounted cash flows Sales contract (1) Interest rate lock commitments 725 Discounted cash flows Closing ratio 0 - 99% (91%) (2) Premises, furniture and equipment held for sale 7,258 Modified appraised value Third party appraisal (3) Appraisal discount 0-10% (5) Other real estate owned 6,153 Modified appraised value Third party appraisal (3) Appraisal discounts 0-10% (5) Servicing rights 7,143 Discounted cash flows Third party valuation (4) Collateral dependent impaired loans: Commercial 12,932 Modified appraised value Third party appraisal (3) Appraisal discount 0-8% (5) Commercial real estate 405 Modified appraised value Third party appraisal (3) Appraisal discount 0-19% (5) Agricultural and agricultural real estate 11,070 Modified appraised value Third party appraisal (3) Appraisal discount 0-24% (5) Residential real estate 478 Modified appraised value Third party appraisal (3) Appraisal discount 0-24% (5) Consumer 624 Modified appraised value Third party valuation (3) Valuation discount 0-14% (5) (1) The significant unobservable input related to the loans held for sale was the third party sales contract Heartland entered into prior to December 31, 2018. The sale of these consumer loans closed on January 11, 2019. (2) The significant unobservable input used in the fair value measurement is the closing ratio, which represents the percentage of loans currently in a lock position which management estimates will ultimately close. The closing ratio calculation takes into consideration historical data and loan-level data. (3) Third party appraisals are obtained and updated at least annually to establish the value of the underlying asset, but the disclosure of the unobservable inputs used by the appraisers would not be meaningful because the range will vary widely from appraisal to appraisal. (4) The significant unobservable input used in the fair value measurement are the value indices, which are weighted-average spreads to LIBOR based on maturity groups. (5) Discounts applied to the appraised values primarily include estimated sales costs, but also consider the age of the appraisal, changes in local market conditions and changes in the current condition of the collateral. The changes in fair value of the interest rate lock commitments, which are Level 3 financial instruments and are measured on a recurring basis, are summarized in the following table, in thousands: (1) For the Years Ended December 31, 2019 December 31, 2018 Balance at January 1, $ 725 $ 1,738 Acquired interest rate lock commitments — 1,383 Total gains (losses), net, included in earnings 18 (3,269) Issuances 10,702 2,962 Settlements (10,764) (2,089) Balance at period end, $ 681 $ 725 Gains included in net gains on sale of loans held for sale attributable to interest rate lock commitments held at December 31, 2019, and December 31, 2018, were $681,000 and $725,000, respectively. The table below is a summary of the estimated fair value of Heartland's financial instruments (as defined by ASC 825) as of December 31, 2019, and December 31, 2018, in thousands. The carrying amounts in the following table are recorded in the consolidated balance sheets under the indicated captions. In accordance with ASC 825, the assets and liabilities that are not financial instruments are not included in the disclosure, including the value of the commercial and mortgage servicing rights, premises, furniture and equipment, premises, furniture and equipment held for sale, OREO, goodwill, other intangibles and other liabilities. Heartland does not believe that the estimated information presented below is representative of the earnings power or value of Heartland. The following analysis, which is inherently limited in depicting fair value, also does not consider any value associated with either existing customer relationships or the ability of Heartland to create value through loan origination, obtaining deposits or fee generating activities. Many of the estimates presented below are based upon the use of highly subjective information and assumptions and, accordingly, the results may not be precise. Management believes that fair value estimates may not be comparable between financial institutions due to the wide range of permitted valuation techniques and numerous estimates which must be made. Furthermore, because the disclosed fair value amounts were estimated as of the balance sheet date, the amounts actually realized or paid upon maturity or settlement of the various financial instruments could be significantly different. Fair Value Measurements at Carrying Estimated Quoted Prices in Significant Other Significant Financial assets: Cash and cash equivalents $ 378,734 $ 378,734 $ 378,734 $ — $ — Time deposits in other financial institutions 3,564 3,564 3,564 — — Securities: Carried at fair value 3,312,796 3,312,796 8,503 3,304,293 — Held to maturity 91,324 100,484 — 100,484 — Other investments 31,321 31,321 — 31,321 — Loans held for sale 26,748 26,748 — 26,748 — Loans, net: Commercial 2,390,254 2,343,079 — 2,327,906 15,173 Commercial real estate 4,336,355 4,333,012 — 4,328,420 4,592 Agricultural and agricultural real estate 528,195 528,657 — 516,034 12,623 Residential real estate 595,331 588,182 — 585,094 3,088 Consumer 447,387 450,413 — 449,425 988 Total Loans, net 8,297,522 8,243,343 — 8,206,879 36,464 Cash surrender value on life insurance 171,625 171,625 — 171,625 — Derivative financial instruments (1) 17,527 17,527 — 17,527 — Interest rate lock commitments 681 681 — — 681 Forward commitments — 15 — 15 — Financial liabilities: Deposits Demand deposits 3,543,863 3,543,863 — 3,543,863 — Savings deposits 6,307,425 6,307,425 — 6,307,425 — Time deposits 1,193,043 1,193,043 — 1,193,043 — Short term borrowings 182,626 182,626 — 182,626 — Other borrowings 275,773 278,169 — 278,169 — Derivative financial instruments (2) 21,462 21,462 — 21,462 — Forward commitments 113 113 — 113 — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments. Fair Value Measurements at Carrying Estimated Quoted Prices in Significant Other Significant Financial assets: Cash and cash equivalents $ 273,630 $ 273,630 $ 273,630 $ — $ — Time deposits in other financial institutions 4,672 4,672 4,672 — — Securities: Carried at fair value 2,450,709 2,450,709 25,414 2,425,295 — Held to maturity 236,283 245,341 — 245,341 — Other investments 28,396 28,396 — 28,396 — Loans held for sale 119,801 119,801 — 52,577 67,224 Loans, net: Commercial 1,994,785 1,955,607 — 1,942,675 12,932 Commercial real estate 3,684,213 3,667,138 — 3,666,733 405 Agricultural and agricultural real estate 561,265 553,112 — 542,042 11,070 Residential real estate 670,473 654,596 — 654,118 478 Consumer 434,998 432,016 — 431,392 624 Total Loans, net 7,345,734 7,262,469 — 7,236,960 25,509 Cash surrender value on life insurance 162,892 162,892 — 162,892 — Derivative financial instruments (1) 6,539 6,539 — 6,539 — Interest rate lock commitments 725 725 — — 725 Forward commitments — — — — — Financial liabilities: Deposits Demand deposits 3,264,737 3,264,737 — 3,264,737 — Savings deposits 5,107,962 5,107,962 — 5,107,962 — Time deposits 1,023,730 1,023,730 — 1,023,730 — Deposits held for sale 106,409 100,241 — — 100,241 Short term borrowings 227,010 227,010 — 227,010 — Other borrowings 274,905 276,966 — 276,966 — Derivative financial instruments (2) 6,044 6,044 — 6,044 — Forward commitments 399 399 — 399 — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments. Cash and Cash Equivalents — The carrying amount is a reasonable estimate of fair value due to the short-term nature of these instruments. Time Deposits in Other Financial Institutions — The carrying amount is a reasonable estimate of the fair value due to the short-term nature of these instruments. Securities — For equity securities with a readily determinable fair value and debt securities either held to maturity, available for sale or trading, fair value equals quoted market price if available. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities. For Level 3 securities, Heartland utilizes independent pricing provided by third party vendors or brokers. Other Investments — Fair value measurement of other investments, which consists primarily of FHLB stock, are based on their redeemable value, which is at cost. The market for these securities is restricted to the issuer of the stock and subject to impairment evaluation. Loans — The fair value of loans were determined using an exit price methodology. The exit price estimation of fair value is based on the present value of the expected cash flows. The projected cash flows are based on the contractual terms of the loans, adjusted for prepayments and a discount rate based on the relative risk of the cash flows. Other considerations include the loan type, remaining life of the loan and credit risk. The fair value of impaired loans is measured using the fair value of the underlying collateral. The fair value of loans held for sale is estimated using quoted market prices or sales contracts. Cash surrender value on life insurance — Life insurance policies are held on certain officers. The carrying value of these policies approximates fair value as it is based on the cash surrender value adjusted for other charges or amounts due that are probable at settlement. As such, Heartland classifies the estimated fair value of the cash surrender value on life insurance as Level 2. Derivative Financial Instruments — The fair value of all derivatives is estimated based on the amount that Heartland would pay or would be paid to terminate the contract or agreement, using current rates, and when appropriate, the current creditworthiness of the counter-party. Interest Rate Lock Commitments — The fair value of interest rate lock commitments is estimated using an internal valuation model, which includes grouping the interest rate lock commitments by interest rate and terms, applying an estimated closing ratio based on historical experience, and then multiplying by quoted investor prices determined to be reasonably applicable to the loan commitment groups based on interest rate, terms, and rate lock expiration dates of the loan commitment group. Forward Commitments — The fair value of these instruments is estimated using an internal valuation model, which includes current trade pricing for similar financial instruments. Deposits — The fair value of demand deposits, savings accounts and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities. If the fair value of the fixed maturity certificates of deposit is calculated at less than the carrying amount, the carrying value of these deposits is reported as the fair value. Deposits Held for Sale — Prior to December 31, 2018, Heartland entered into agreements with third parties to sell the deposits of five branch locations, which totaled $106.4 million as of December 31, 2018. The estimated fair value in the table above was based on the carrying value of the deposits less the premium Heartland expected to receive in accordance with the sales contract when the transactions are expected to be completed in 2019. Short-term and Other Borrowings — Rates currently available to Heartland for debt with similar terms and remaining maturities are used to estimate fair value of existing debt. Commitments to Extend Credit, Unused Lines of Credit and Standby Letters of Credit — Based upon management's analysis of the off balance sheet financial instruments, there are no significant unrealized gains or losses associated with these financial instruments based upon review of the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.

Revenue

Revenue	12 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Revenue	REVENUE On January 1, 2018, Heartland adopted ASU 2014-09, "Revenue from Contracts with Customers" (Topic 606), and all subsequent ASUs that modified Topic 606. The implementation of the standard did not have a material impact on the measurement or recognition of revenue; as such, a cumulative effect adjustment to opening retained earnings was not deemed necessary. Results for reporting periods beginning after January 1, 2018 are presented under Topic 606, while prior period amounts were not adjusted and continue to be reported in accordance with Topic 605. Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities. In addition, certain noninterest income streams such as fees associated with loan servicing income, bank owned life insurance, derivatives and certain credit card fees are also not in scope of the guidance. Topic 606 is applicable to noninterest revenue streams such as service charges and fees, trust fees, and brokerage and insurance commissions. However, the recognition of these revenue streams did not change significantly upon adoption of Topic 606. Substantially all of Heartland's revenue is generated from contracts with customers. Noninterest revenue streams in-scope of Topic 606 are discussed below. Service Charges and Fees Service charges and fees consist of revenue generated from deposit account related service charges and fees, overdraft fees, customer service fees, credit card fee income, debit card income and other service charges and fees. Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service fees, check orders and other deposit account related fees. Heartland's performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees, including overdraft fees, are largely transactional based, and therefore, the performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Customer service fees and other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. Heartland's performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. Credit card fee income and debit card income are comprised of interchange fees, ATM fees, and merchant services income. Credit card fee income and debit card income are earned whenever the banks' debit and credit cards are processed through card payment networks such as Visa. ATM fees are primarily generated when a bank cardholder uses an ATM that is not owned by one of Heartland's banks or a non-bank cardholder uses Heartland-owned ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Trust Fees Trust fees are primarily comprised of fees earned from the management and administration of trusts and other customer assets. Heartland's performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the average daily market value or month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days before or after month end through a direct charge to customers’ accounts. Heartland does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. Heartland's performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Brokerage and Insurance Commissions Brokerage commission primarily consist of commissions related to broker-dealer contracts. The contracts are between the customer and the broker-dealer, and Heartland satisfies its performance obligation and earns commission when the transactions are completed. The recognition of revenue is based on a defined fee schedule and does not require significant judgment. Payment is received shortly after services are rendered. Insurance commissions are related to commissions received directly from the insurance carrier. Heartland acts as an insurance agent between the customer and the insurance carrier. Heartland's performance obligations and associated fee and commission income are defined with each insurance product with the insurance company. When insurance payments are received from customers, a portion of the payment is recognized as commission revenue. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the year ended December 31, 2019, 2018, and 2017, in thousands: For the Years Ended December 31, 2019 2018 2017 In-scope of Topic 606 Service charges and fees Service charges and fees on deposit accounts $ 12,790 $ 11,291 $ 9,570 Overdraft fees 11,543 10,796 9,365 Customer service fees 331 330 296 Credit card fee income 15,594 11,893 7,968 Debit card income 11,899 14,396 11,984 Total service charges and fees 52,157 48,706 39,183 Trust fees 19,399 18,393 15,818 Brokerage and insurance commissions 3,786 4,513 4,033 Total noninterest income in-scope of Topic 606 $ 75,342 $ 71,612 $ 59,034 Out-of-scope of Topic 606 Loan servicing income $ 4,843 $ 7,292 $ 5,636 Securities gains, net 7,659 1,085 6,973 Unrealized gain on equity securities, net 525 212 — Net gains on sale of loans held for sale 15,555 21,450 22,251 Valuation adjustment on servicing rights (911) (46) 21 Income on bank owned life insurance 3,785 2,793 2,772 Other noninterest income 9,410 4,762 5,335 Total noninterest income out-of-scope of Topic 606 40,866 37,548 42,988 Total noninterest income $ 116,208 $ 109,160 $ 102,022 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. Heartland's noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after Heartland satisfies its performance obligation and revenue is recognized. Heartland does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2019, 2018 and 2017, Heartland did not have any significant contract balances. Contract Acquisition Costs In connection with the adoption of Topic 606, an entity is required to capitalize, and subsequently amortize into expense, certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained (for example, sales commission). Heartland utilizes the practical expedient which allows entities to immediately expense contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less. Upon adoption of Topic 606, Heartland did not capitalize any contract acquisition costs.

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Information	PARENT COMPANY ONLY FINANCIAL INFORMATION Condensed financial information for Heartland Financial USA, Inc. is as follows: BALANCE SHEETS (Dollars in thousands) December 31, 2019 2018 Assets: Cash and interest bearing deposits $ 61,866 $ 39,666 Investment in subsidiaries 1,765,995 1,538,766 Other assets 49,002 30,321 Due from subsidiaries — 6,000 Total assets $ 1,876,863 $ 1,614,753 Liabilities and stockholders’ equity: Other borrowings $ 271,046 $ 269,553 Accrued expenses and other liabilities 27,680 20,025 Total liabilities 298,726 289,578 Stockholders’ equity: Common stock 36,704 34,477 Capital surplus 839,857 743,095 Retained earnings 702,502 579,252 Accumulated other comprehensive loss (926) (31,649) Total stockholders’ equity 1,578,137 1,325,175 Total liabilities and stockholders’ equity $ 1,876,863 $ 1,614,753 INCOME STATEMENTS (Dollars in thousands) For the Years Ended December 31, 2019 2018 2017 Operating revenues: Dividends from subsidiaries $ 137,000 $ 85,000 $ 70,850 Securities gains, net — — 3,021 Other 893 493 2,292 Total operating revenues 137,893 85,493 76,163 Operating expenses: Interest 15,044 14,371 13,269 Salaries and employee benefits 4,072 3,639 3,146 Professional fees 3,029 2,841 2,379 Other operating expenses 15,559 12,510 7,889 Total operating expenses 37,704 33,361 26,683 Equity in undistributed earnings 34,307 52,570 16,212 Income before income tax benefit 134,496 104,702 65,692 Income tax benefit 14,633 12,296 9,580 Net income 149,129 116,998 75,272 Preferred dividends — (39) (58) Interest expense on convertible preferred debt — — 12 Net income available to common stockholders $ 149,129 $ 116,959 $ 75,226 STATEMENTS OF CASH FLOWS (Dollars in thousands) For the Years Ended December 31, 2019 2018 2017 Cash flows from operating activities: Net income $ 149,129 $ 116,998 $ 75,272 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries (34,307) (52,570) (16,212) Security gains, net — — (3,021) Gain on extinguishment of debt (375) — (1,200) Increase (decrease) in accrued expenses and other liabilities 3,274 5,336 (4,160) Increase in other assets (12,248) (1,559) (567) Excess tax benefits from stock based compensation 270 674 1,246 Other, net 4,103 5,401 4,714 Net cash provided by operating activities 109,846 74,280 56,072 Cash flows from investing activities: Capital contributions to subsidiaries (46,583) (30,696) — Repayment of advances from subsidiaries 6,000 — — Proceeds from sales of available for sale securities — — 2,868 Proceeds from sale of other investments — — 211 Net assets acquired (594) (13,504) (62,813) Net cash used by investing activities (41,177) (44,200) (59,734) Cash flows from financing activities: Proceeds on short-term revolving credit line — 25,000 20,000 Proceeds from borrowings — 30,000 — Repayments on short-term revolving credit line — (25,000) (20,000) Repayments of borrowings (20,023) (25,759) (9,016) Payment for the redemption of debt (2,500) — (13,800) Cash dividends paid (24,607) (19,357) (14,557) Purchase of treasury stock — (97) (625) Proceeds from issuance of common stock 661 489 963 Net cash used by financing activities (46,469) (14,724) (37,035) Net increase (decrease) in cash and cash equivalents 22,200 15,356 (40,697) Cash and cash equivalents at beginning of year 39,666 24,310 65,007 Cash and cash equivalents at end of year $ 61,866 $ 39,666 $ 24,310 Supplemental disclosure: Conversion of convertible debt to common stock $ — $ — $ 558 Conversion/redemption of Series D preferred stock to common stock $ — $ 938 $ 419 Stock consideration granted for acquisitions $ 92,258 $ 238,075 $ 175,196

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, Heartland adopted ASU 2016-02 "Leases" (Topic 842) and all subsequent ASUs that modified Topic 842. For Heartland, Topic 842 primarily affected the accounting treatment for operating lease agreements in which Heartland is the lessee. Lessee Accounting Substantially all of the leases in which Heartland is the lessee are comprised of real estate property for branches, ATM locations, and office space with terms extending through 2031. All of Heartland's leases are classified as operating leases, and therefore, were previously not recognized on the consolidated balance sheets. With the adoption of Topic 842, operating lease agreements are required to be recognized on the consolidated balance sheets as a right-of-use ("ROU") asset and a corresponding lease liability. Heartland elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the consolidated balance sheets. The table below presents Heartland's ROU assets and lease liabilities as of December 31, 2019, in thousands: Classification December 31, 2019 Operating lease right-of-use assets Other assets $ 23,200 Operating lease liabilities Accrued expenses and other liabilities $ 24,617 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. Heartland’s lease agreements often include one or more options to renew at Heartland’s discretion. If at lease inception, Heartland considers the exercising of a renewal option to be reasonably certain, Heartland will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, Heartland utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate for the remaining lease term as of January 1, 2019, was used. The variable lease cost primarily represents variable payments such as common area maintenance and utilities. The table below presents the lease costs and supplemental information as of December 31, 2019, in thousands: Lease Cost Income Statement Category For the Year Ended Operating lease cost Occupancy expense $ 6,031 Variable lease cost Occupancy expense 145 Total lease cost $ 6,176 Supplemental Information Noncash reduction of ROU assets arising from lease modifications Occupancy expense $ 1,771 Noncash reduction lease liabilities arising from lease modifications Occupancy expense $ 1,789 Supplemental balance sheet information As of December 31, 2019 Weighted-average remaining operating lease term (in years) 6.61 Weighted-average discount rate for operating leases 3.00 % A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities as of December 31, 2019 is as follows, in thousands:

Summary of Quarterly Financial

Summary of Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Information (Unaudited)	SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Dollars in thousands, except per share data) As of and for the Quarter Ended 2019 December 31 September 30 June 30 March 31 Net interest income $ 112,745 $ 111,321 $ 106,708 $ 102,955 Provision for loan losses 4,903 5,201 4,918 1,635 Net interest income after provision for loan losses 107,842 106,120 101,790 101,320 Noninterest income 28,030 29,400 32,061 26,717 Noninterest expense 92,866 92,967 75,098 88,230 Income taxes 5,155 7,941 13,584 8,310 Net income 37,851 34,612 45,169 31,497 Net income available to common stockholders $ 37,851 $ 34,612 $ 45,169 $ 31,497 Per share: Earnings per share-basic $ 1.03 $ 0.94 $ 1.26 $ 0.91 Earnings per share-diluted 1.03 0.94 1.26 0.91 Cash dividends declared on common stock 0.18 0.18 0.16 0.16 Book value per common share 43.00 42.62 41.48 39.65 Weighted average common shares outstanding 36,758,025 36,692,381 35,743,986 34,564,378 Weighted average diluted common shares outstanding 36,840,519 36,835,191 35,879,259 34,699,839 (Dollars in thousands, except per share data) As of and for the Quarter Ended 2018 December 31 September 30 June 30 March 31 Net interest income $ 110,283 $ 110,678 $ 101,409 $ 91,584 Provision for loan losses 9,681 5,238 4,831 4,263 Net interest income after provision for loan losses 100,602 105,440 96,578 87,321 Noninterest income 27,045 29,765 27,634 24,716 Noninterest expense 88,821 92,539 88,882 83,646 Income taxes 6,685 8,956 7,451 5,123 Net income 32,141 33,710 27,879 23,268 Preferred dividends — (13) (13) (13) Net income available to common stockholders $ 32,141 $ 33,697 $ 27,866 $ 23,255 Per share: Earnings per share-basic $ 0.93 $ 0.98 $ 0.85 $ 0.76 Earnings per share-diluted 0.93 0.97 0.85 0.76 Cash dividends declared on common stock 0.19 0.14 0.13 0.13 Book value per common share 38.44 37.14 36.44 33.81 Weighted average common shares outstanding 34,474,336 34,452,377 32,620,775 30,441,776 Weighted average diluted common shares outstanding 34,670,180 34,644,187 32,830,751 30,645,212

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principles of Presentation	Principles of Presentation - The consolidated financial statements include the accounts of Heartland and its subsidiaries: Dubuque Bank and Trust Company; Illinois Bank & Trust; Wisconsin Bank & Trust; New Mexico Bank & Trust; Arizona Bank & Trust; Rocky Mountain Bank; Citywide Banks; Minnesota Bank & Trust; Bank of Blue Valley; Premier Valley Bank; First Bank & Trust; Citizens Finance Parent Co.; PrimeWest Mortgage Corporation; DB&T Insurance, Inc.; DB&T Community Development Corp.; Heartland Community Development, Inc.; Heartland Financial USA, Inc. Insurance Services; Citizens Finance Co.; Citizens Finance of Illinois Co.; Heartland Financial Statutory Trust IV; Heartland Financial Statutory Trust V; Heartland Financial Statutory Trust VI; Heartland Financial Statutory Trust VII; Morrill Statutory Trust I; Morrill Statutory Trust II; Sheboygan Statutory Trust I, CBNM Capital Trust I, Citywide Capital Trust III, Citywide Capital Trust IV, Citywide Capital Trust V, OCGI Statutory Trust III, OCGI Capital Trust IV, BVBC Capital Trust II, and BVBC Capital Trust III. All of Heartland’s subsidiaries are wholly-owned as of December 31, 2019. The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and prevailing practices within the banking industry. In preparing such financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the balance sheets and revenues and expenses for the years then ended. Actual results could differ significantly from those estimates. A material estimate that is particularly susceptible to significant change relates to the determination of the allowance for loan losses.
Business Combinations	Business Combinations - Heartland applies the acquisition method of accounting in accordance with the Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 805, Business Combinations. Under the acquisition method, Heartland recognizes assets acquired, including identified intangible assets, and the liabilities assumed in acquisitions at fair value as of the acquisition date, with the acquisition-related transaction costs expensed in the period incurred. Determining the fair value of assets acquired and liabilities assumed often involves estimates based on third-party valuations, such as appraisals, or internal valuations based on discounted cash flow analyses or other valuation techniques that may include estimates of attrition, inflation, asset growth rates, discount rates, multiples of earnings or other relevant factors. In addition, the determination of the useful lives over which an intangible asset will be amortized is subjective.
Cash and Cash Equivalents	Cash and Cash Equivalents - For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits held at the Federal Reserve Bank, federal funds sold to other banks and other short-term investments. Generally, federal funds are purchased and sold for one-day periods.
Trading Securities, Debt Securities Available for Sale and Equity Securities, and Securities Held to Maturity	Trading Securities - Trading securities represent those securities Heartland intends to actively trade and are stated at fair value with changes in fair value reflected in noninterest income. Heartland had no trading securities at both December 31, 2019 and 2018. Debt Securities Available for Sale and Equity Securities - Available for sale securities consist of those securities not classified as held to maturity or trading, which management intends to hold for indefinite periods of time or that may be sold in response to changes in interest rates, prepayments or other similar factors. Available for sale securities are stated at fair value with any unrealized gain or loss, net of applicable income tax, reported as a separate component of stockholders’ equity. Security premiums and discounts are amortized/accreted using the interest method over the period from the purchase date to the expected maturity or call date of the related security. Declines in the fair value of investment securities available for sale (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss, and a new cost basis for the securities is established. In evaluating whether impairment is other-than-temporary, Heartland considers the length of time and extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of Heartland to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value in the near term. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) Heartland has the intent to sell a security; (2) it is more likely than not that Heartland will be required to sell the security before recovery of its amortized cost basis; or (3) Heartland does not expect to recover the entire amortized cost basis of the security. If Heartland intends to sell a security or if it is more likely than not that Heartland will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If Heartland does not intend to sell the security and it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in noninterest income, and an amount related to all other factors, which is recognized in other comprehensive income. Realized securities gains or losses on securities sales (using specific identification method) and declines in value judged to be other-than-temporary are included in impairment loss on securities in the consolidated statements of income. Equity securities include Community Reinvestment Act mutual funds with readily determinable fair values and are carried at fair value. Certain equity securities do not have readily determinable fair values, such as Federal Reserve Bank stock and Federal Home Loan Bank stock, which are held for debt and regulatory purposes and are carried at cost minus impairment, if any, plus or minus changes resulting from observable price changes for the identical or similar investment of the same issuer. Heartland has not recorded any impairment or other adjustments to the carrying amount of these investments during 2019. Securities Held to Maturity - Securities which Heartland has the ability and positive intent to hold to maturity are classified as held to maturity. Such securities are stated at amortized cost, adjusted for premiums and discounts that are amortized/accreted using the interest method over the period from the purchase date to the expected maturity or call date of the related security. Unrealized losses determined to be other-than-temporary are charged to noninterest income.
Loans, Loans Held for Sale, Deposits Held for Sale, Allowance for Loan Losses, and Other Real Estate	Loans - Interest on loans is accrued and credited to income based primarily on the principal balance outstanding. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Heartland’s policy is to discontinue the accrual of interest income on any loan when, in the opinion of management, there is a reasonable doubt as to the timely collection of the interest and principal, normally when a loan is 90 days past due. When interest accruals are deemed uncollectible, interest credited to income in the current year is reversed and interest accrued in prior years is charged to the allowance for loan losses. A loan can be restored to accrual status if the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments on the loan, and (1) all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within a reasonable period of time, and (2) that there is a sustained period of repayment performance (generally a minimum of six months) by the borrower in accordance with the scheduled contractual terms. Under Heartland’s credit policies, a loan is impaired when, based on current information and events, it is probable that Heartland will be unable to collect all amounts due according to the contractual terms of the agreement. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, except where more practical, at the observable market price of the loan or the fair value of the collateral if the loan is collateral dependent. Net nonrefundable loan origination fees and certain direct costs associated with the lending process are deferred and recognized as a yield adjustment over the life of the related loan. Loans Held for Sale - Loans held for sale are stated at the lower of cost or fair value on an aggregate basis. Gains or losses on sales are recorded in noninterest income. Direct loan origination costs and fees are deferred at origination of the loan. These deferred costs and fees are recognized in noninterest income as part of the gain or loss on sales of loans upon sale of the loan. At December 31, 2019, loans held for sale primarily consisted of 1-4 family residential mortgages. At December 31, 2018, loans held for sale consisted of 1-4 family residential mortgages, loans held for sale in conjunction with pending branch sales, and the loan portfolios of Heartland's consumer finance subsidiaries. Deposits Held for Sale - Deposits held for sale are stated at the lower of cost or fair value on an aggregate basis. Allowance for Loan Losses - The allowance for loan losses is maintained at a level estimated by management to provide for known and inherent risks in the loan portfolios. The allowance is based upon a continuing review of past loan loss experience, current economic conditions, volume growth, the underlying collateral value of the loans and other relevant factors. Loans which are deemed uncollectible are charged off and deducted from the allowance. Provisions for loan losses and recoveries on previously charged-off loans are added to the allowance. Other Real Estate - Other real estate represents property acquired through foreclosures and settlements of loans. Property acquired is recorded at the estimated fair value of the property less disposal costs. The excess of carrying value over fair value less disposal costs is charged against the allowance for loan losses. Subsequent write downs estimated on the basis of later valuations and gains or losses on sales are charged to loss on sales/valuation of assets, net. Expenses incurred in maintaining such properties are charged to other real estate and loan collection expenses.
Acquired Loans	Acquired Loans - The FASB ASC Topic 310-30 establishes accounting standards for acquired loans with deteriorated credit quality. Heartland reviews acquired loans for differences between contractual cash flows and cash flows expected to be collected from initial investment in the acquired loans to determine if those differences are attributable, at least in part, to credit quality. If those differences are attributable to credit quality, the contractually required payments received in excess of the amount of its cash flows expected at acquisition, or nonaccretable discount, is not accreted into income. FASB ASC 310-30 requires that the excess of all cash flows expected at acquisition over the initial investment in the loan be recognized as interest income using the interest method over the term of the loan. This excess is referred to as accretable discount and is recorded as a reduction of the loan balance. When a loan is paid off, the excess of any cash received over the net investment is recorded as interest income. In addition to the amount of purchase discount that is recognized at that time, income may include interest owed by the borrower prior to the acquisition of the loan, interest collected if on nonperforming status, prepayment fees and other loan fees. At acquisition, for purchased loans not subject to ASC 310-30, the purpose of the loan (e.g., business, agricultural or personal), the type of borrower (e.g., business or individual) and the type of collateral for the loan (e.g., commercial real estate, residential real estate, general business assets or unsecured) of each loan are considered in order to assign purchased loans into one of the following five loan pools: commercial, commercial real estate, agricultural and agricultural real estate, residential real estate and consumer. These five pools are separately maintained and tracked for each acquisition, and they are consistent with the five loan categories presented in Note 5, "Loans." For purchased loans not subject to ASC 310-30, the discount, if any, representing the excess of the amount of reasonably estimable and probable discounted future cash collections over the purchase price, is accreted into interest income using the interest method over the weighted average remaining contractual life of the loan pool. Because Heartland uses the pool method as described above, no adjustment is made to the discount of an individual loan on the specific date of a credit event with respect to such loan. Additionally, the discount is not accreted on nonperforming loans. Loans not subject to ASC 310-30 migrate from the purchased loan pools to the regular loan portfolio when the borrower requests to refinance the loan prior to maturity or renews the loan at maturity, and, in either event, signs a new loan agreement. In conjunction with the refinancing or renewal process, the new loan is evaluated in accordance with Heartland’s underwriting standards, and a credit decision is made with respect to whether the new loan should be extended.
Troubled Debt Restructured Loans	Troubled Debt Restructured Loans - Loans are considered troubled debt restructured loans ("TDR") if concessions have been granted to borrowers that are experiencing financial difficulty. The concessions granted generally involve the modification of terms of the loan, such as changes in payment schedule or interest rate, which generally would not otherwise be considered. TDRs can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accrual status, depending on the individual facts and circumstances of the borrower. Nonaccrual TDRs are included and treated consistently with all other nonaccrual loans. In addition, all accruing TDRs are reported and accounted for as impaired loans. Generally, TDRs remain on nonaccrual until the customer has attained a sustained period of repayment performance under the modified loan terms (generally a minimum of six months). However, performance prior to the restructuring, or significant events that coincide with the restructuring, are considered in assessing whether the borrower can meet the new terms and whether the loan should be returned to or maintained on accrual status. If the borrower’s ability to meet the revised payment schedule is not reasonably assured, the loan remains on nonaccrual status. A loan that is a TDR that has an interest rate consistent with market rates at the time of restructuring and is in compliance with its modified terms in the calendar year after the year in which the restructuring took place is no longer considered a TDR but remains an impaired loan. To be considered in compliance with its modified terms, a loan that is a TDR must be in accrual status and must be current or less than 30 days past due under the modified repayment terms; however, the loan will continue to be considered impaired. A loan that has been modified at a below market rate will remain classified as a TDR and an impaired loan. If the borrower’s financial conditions improve to the extent that the borrower qualifies for a new loan with market terms, the new loan will not be considered a TDR or impaired if Heartland's credit analysis shows the borrower's ability to perform under scheduled terms.
Mortgage Servicing and Transfers of Financial Assets, and Servicing Rights, Net	Mortgage Servicing and Transfers of Financial Assets - Servicing Rights, Net - Mortgage and commercial servicing rights associated with loans originated and sold, where servicing is retained, are initially capitalized at fair value and recorded on the consolidated statements of income as a component of gains on sale of loans held for sale. The values of these capitalized servicing rights are amortized as an offset to the loan servicing income earned in relation to the servicing revenue expected to be earned. The carrying values of these rights are reviewed quarterly for impairment based on the calculation of their fair value as performed by an outside third party. For purposes of measuring impairment, the rights are stratified into certain risk characteristics including loan type and loan term. As of December 31, 2019, a valuation allowance of $114,000 was required on Heartland's mortgage servicing rights with an original term of 15 years, and a valuation allowance of $797,000 was required on Heartland's mortgage servicing rights with an original term of 30 years. At December 31, 2018, a valuation allowance of
Reserve for Unfunded Commitments	Reserve for Unfunded Commitments - This reserve is maintained at a level that, in the opinion of management, is appropriate to absorb probable losses associated with Heartland’s commitment to lend funds under existing agreements such as letters or lines of credit. Management determines the appropriateness of the reserve for unfunded commitments based upon reviews of delinquencies, current economic conditions, the risk characteristics of the various categories of commitments and other relevant factors. The reserve is based on estimates, and ultimate losses may vary from the current estimates. These estimates are evaluated on a regular basis and, as adjustments become necessary, they are reported in earnings in the periods in which they become known. Provisions for unfunded commitment losses are added to the reserve for unfunded commitments, which is included in the Accrued Expenses and Other Liabilities section of the consolidated balance sheets.
Premises, Furniture and Equipment, net and Premises, Furniture and Equipment Held for Sale	Premises, Furniture and Equipment, net - Premises, furniture and equipment are stated at cost less accumulated depreciation. The provision for depreciation of premises, furniture and equipment is determined by straight-line and accelerated methods over the estimated useful lives of 18 to 39 years for buildings, 15 years for land improvements and 3 to 7 years for furniture and equipment. Premises, Furniture and Equipment Held for Sale - Premises, furniture and equipment are stated at the estimated fair value less disposal costs. Subsequent write-downs and gains or losses on the sales are recorded to loss on sales/valuation of assets, net.
Goodwill and Core Deposit Intangibles and Customer Relationship Intangibles, Net	Goodwill - Goodwill represents the excess of the purchase price of acquired subsidiaries’ net assets over their fair value at the purchase date. Heartland assesses goodwill for impairment annually, and more frequently if events occur which may indicate possible impairment, and assesses goodwill at the reporting unit level, also giving consideration to overall enterprise value as part of that assessment. In evaluating goodwill for impairment, Heartland first assesses qualitative factors to determine whether it is more likely than not (that is, a likelihood of more than 50%) that the fair value of a reporting unit is less than its carrying amount. If Heartland concludes that it is more likely than not that the fair value of a reporting unit is more than its carrying value, then no further testing of goodwill assigned to the reporting unit is required. However, if Heartland concludes that it is more likely than not that the fair value of a reporting unit is less than its carrying value, then Heartland performs a two-step goodwill impairment test to identify potential goodwill impairment and measure the amount of goodwill impairment to recognize, if any. In the first step, the fair value of a reporting unit is compared to its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, goodwill is not considered impaired and it is not necessary to continue to step two of the impairment process. If the fair value of the reporting unit is less than the carrying amount, step two is performed. In step two, the implied fair value of goodwill is compared to the carrying value of the reporting unit's goodwill. The implied fair value of goodwill is computed as a residual value after allocating the fair value of the reporting unit to its assets and liabilities. Heartland estimates the fair value of its reporting units using market multiples of comparable entities, including recent transactions, or a combination of market multiples and discounted cash flow methodology. These methods incorporate assumptions specific to the entity, such as the use of financial forecasts. Core Deposit Intangibles and Customer Relationship Intangibles, Net - Core deposit intangibles are amortized over 8 to 18 years on an accelerated basis. Customer relationship intangibles are amortized over 22 years on an accelerated basis. Annually, Heartland reviews these intangible assets for events or circumstances that may indicate a change in the recoverability of the underlying basis.
Cash Surrender Value on Life Insurance	Cash Surrender Value on Life Insurance - Heartland and its subsidiaries have purchased life insurance policies on the lives of certain officers. The one-time premiums paid for the policies, which coincide with the initial cash surrender value, are recorded as an asset. Increases or decreases in the cash surrender value, other than proceeds from death benefits, are recorded as noninterest income in income on bank owned life insurance. Proceeds from death benefits first reduce the cash surrender value attributable to the individual policy and then any additional proceeds are recorded in other noninterest income.
Income Taxes	Income Taxes - Heartland and its subsidiaries file a consolidated federal income tax return and separate or combined income or franchise tax returns as required by the various states. Heartland recognizes certain income and expenses in different time periods for financial reporting and income tax purposes. The provision for deferred income taxes is based on an asset and liability approach and represents the change in deferred income tax accounts during the year, including the effect of enacted tax rate changes. A valuation allowance is provided to reduce deferred tax assets if their expected realization is deemed not to be more likely than not. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. Heartland recognizes interest and penalties related to income tax matters in income tax expense.
Derivative Financial Instruments and Mortgage Derivatives	Derivative Financial Instruments - Heartland uses derivative financial instruments as part of its interest rate risk management, which includes interest rate swaps, certain interest rate lock commitments and forward sales of securities related to mortgage banking activities. FASB ASC Topic 815 establishes accounting and reporting standards for derivative instruments, including certain derivative instruments embedded in other contracts, and for hedging activities. As required by ASC 815, Heartland records all derivatives on the consolidated balance sheets at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting designation. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. To qualify for hedge accounting, Heartland must comply with the detailed rules and documentation requirements at the inception of the hedge, and hedge effectiveness is assessed at inception and periodically throughout the life of each hedging relationship. Hedge ineffectiveness, if any, is measured periodically throughout the life of the hedging relationship. For derivatives designated as cash flow hedges, the effective portion of changes in the fair value of the derivative is initially reported in other comprehensive income (loss) and subsequently reclassified to interest income or expense when the hedged transaction affects earnings, while the ineffective portion of changes in the fair value of the derivative, if any, is recognized immediately in other noninterest income. Heartland assesses the effectiveness of each hedging relationship by comparing the cumulative changes in cash flows of the derivative hedging instrument with the cumulative changes in cash flows of the designated hedged item or transaction. No component of the change in the fair value of the hedging instrument is excluded from the assessment of hedge effectiveness. Heartland has fair value hedging relationships at December 31, 2019. Heartland uses hedge accounting in accordance with ASC 815, with the unrealized gains and losses, representing the change in fair value of the derivative and the change in fair value of the risk being hedged on the related loan, being recorded in the consolidated statements of income. The ineffective portions of the unrealized gains or losses, if any, are recorded in interest income and interest expense in the consolidated statements of income. Heartland uses statistical regression to assess hedge effectiveness, both at the inception of the hedge as well as on a continual basis. The regression analysis involves regressing the periodic change in fair value of the hedging instrument against the periodic changes in the fair value of the asset being hedged due to changes in the hedge risk. Heartland does not use derivatives for trading or speculative purposes. Derivatives not designated as hedges are not speculative and are used to manage Heartland’s exposure to interest rate movements and other identified risks, but do not meet the strict hedge accounting requirements of ASC 815. Mortgage Derivatives - Heartland uses interest rate lock commitments to originate residential mortgage loans held for sale and forward commitments to sell residential mortgage loans and mortgage backed securities. These commitments are considered derivative instruments. The fair value of these commitments is recorded on the consolidated balance sheets with the changes in fair value recorded in the consolidated statements of income as a component of gains on sale of loans held for sale. These derivative contracts are designated as free standing derivative contracts and are not designated against specific assets and liabilities on the consolidated balance sheets or forecasted transactions and therefore do not qualify for hedge accounting treatment.
Fair Value Measurements	Fair Value Measurements - Fair value represents the estimated price at which an orderly transaction to sell an asset or transfer a liability would take place between market participants at the measurement date under current market conditions (i.e. an exit price concept). Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using discounted cash flow or other valuation techniques. Inputs into the valuation methods are subjective in nature, involve uncertainties, and require significant judgment and therefore cannot be determined with precision. Accordingly, the derived fair value estimates presented herein are not necessarily indicative of the amounts Heartland could realize in a current market exchange. Assets and liabilities are categorized into three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine the fair value. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy in which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. Heartland's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. Below is a brief description of each fair value level: Level 1 — Valuation is based upon quoted prices for identical instruments in active markets. Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 — Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.
Treasury Stock	Treasury Stock - Treasury stock is accounted for by the cost method, whereby shares of common stock reacquired are recorded at their purchase price. When treasury stock is reissued, any difference between the sales proceeds, or fair value when issued for business combinations, and the cost is recognized as a charge or credit to capital surplus.
Trust Department Assets	Trust Department Assets - Property held for customers in fiduciary or agency capacities is not included in the accompanying consolidated balance sheets because such items are not assets of the Heartland banks.
Earnings Per Share	Earnings Per Share - Basic earnings per share is determined using net income available to common stockholders and weighted average common shares outstanding. Diluted earnings per share is computed by dividing net income available to common stockholders by the weighted average common shares and assumed incremental common shares issued.
Subsequent Events	Subsequent Events - Heartland has evaluated subsequent events that may require recognition or disclosure through the filing date of this Annual Report on Form 10-K with the SEC. On February 11, 2020, Heartland entered into a definitive merger agreement to acquire AIM Bancshares, Inc., and its wholly-owned subsidiary, AimBank, headquartered in Levelland, Texas. See Note 2, "Acquisitions," for further details regarding this acquisition.
Effect of New Financial Accounting Standards	Effect of New Financial Accounting Standards - In February 2016, the FASB issued ASU 2016-02, "Leases (Topic 842)." Topic 842 requires a lessee to recognize leases on-balance sheet and disclose key information about leasing arrangements. The new standard established a right-of-use model (ROU) that requires a lessee to recognize a ROU asset and lease liability on the balance sheet for all leases with a term longer than 12 months. Leases are classified as financing or operating, with classification affecting the pattern and classification of expense recognition in the income statement. The amendment was effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years, and was to be applied on a modified retrospective basis. Heartland leases certain properties and equipment under operating leases that resulted in recognition of lease assets and lease liabilities on the consolidated balance sheets under the ASU; however the majority of Heartland's properties and equipment are owned, not leased. The modified retrospective approach included a number of optional practical expedients that entities may elect to apply. These practical expedients related to the identification and classification of leases that commenced before the effective date, initial direct costs for leases that commenced before the effective date, and the ability to use hindsight in evaluating lessee options to extend or terminate a lease or to purchase the underlying asset. Early adoption was permitted. In January 2018, the FASB issued an amendment to provide entities with the optional practical expedient to not evaluate existing or expired land easements that were previously not accounted for as leases under Topic 840. In July 2018, the FASB issued ASU 2018-11, "Leases - Targeted Improvements" to provide entities with relief from the costs of implementing certain aspects of the new leasing standard. Specifically, under the amendments in ASU 2018-11, entities could have elected not to recast the comparative periods presented when transitioning to the new leasing standard, and lessors could have elected not to separate lease and non-lease components when certain conditions are met. The amendments had the same effective date as ASU 2016-02. Heartland adopted the accounting standard on January 1, 2019, on a modified retrospective basis, as required, and has not restated comparative periods. Heartland adopted the practical expedients, which allow for existing leases to be accounted for under previous guidance with the exception of balance sheet recognition for lessees. The adoption of the new standard resulted in the recording of ROU assets and lease liabilities of approximately $25.9 million and $27.6 million, respectively, and a net deferred tax asset of $440,000 on January 1, 2019. The difference between the lease assets, lease liabilities and net deferred tax assets, which was $1.3 million, was recorded as an adjustment to retained earnings. The adoption of the standard did not impact Heartland's results of operations or liquidity. See Note 23, "Leases", for more information on Heartland's leases. In June 2016, the FASB issued ASU 2016-13, " Financial Instruments - Credit Losses (Topic 326) ." The amendments in this ASU require a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The amendments in this ASU indicate that an entity should not use the length of time a security has been in an unrealized loss position to avoid recording a credit loss. In addition, in determining whether a credit loss exists, the amendments in this ASU also remove the requirements to consider the historical and implied volatility of the fair value of a security and recoveries or declines in fair value after the balance sheet date. The amendment is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. An entity may adopt the amendments earlier as of the fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Heartland adopted the accounting standard on January 1, 2020, as required. In April 2019, the FASB also issued ASU 2019-04, "Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments." As it relates to current expected credit losses, this guidance amends certain provisions contained in ASU 2016-13, particularly with regards to the inclusion of accrued interest in the definition of amortized cost, as well as clarifying the extension and renewal options that are not unconditionally cancelable by the entity that are included in the original or modified contract should be considered in the entity's determination of expected credit losses. Upon adoption of ASU 2016-13, a cumulative-effect adjustment to retained earnings will be recorded as of the beginning of the first reporting period in which the guidance is effective. Heartland's preparation for the adoption of this standard included: • Entering into an agreement with a third party vendor for consulting services and a technology solution. • Implementing a technology solution and producing quarterly parallel runs in 2019. • Entering into an agreement with a third party to validate the new expected loss rate model, completing the first phase of this validation including implementing recommended changes, and starting the second phase of model validation, which includes methodology documentation review and internal controls testing. Management currently expects the adoption of ASU 2016-13 will result in an increase of $17.6 million to $28.2 million in the allowance for loan losses and the reserve for unfunded commitments. Because management is finalizing and refining its controls and processes, the ultimate impact of the adoption of ASU 2016-13 as of January 1, 2020, could differ from the current expectation. The expected increase is a result of changing from an "incurred loss" model, which encompasses an allowance for current known and inherent losses within the portfolio to an "expected loss" model, which encompasses allowances for losses expected to be incurred over the life of the portfolio including unused loan commitments, as well as establishing an allowance for $1.80 billion of gross loans covered under purchase accounting valuations at December 31, 2019. Furthermore, ASU 2016-13 requires that an allowance for expected credit losses for certain debt securities and other financial assets is established; however management does not expect these allowances to be significant. The adoption of ASU 2016-13 is not expected to have a significant impact on Heartland's regulatory capital ratios. In January 2017, the FASB issued ASU 2017-04, "Intangibles - Goodwill and Other (Topic 350)." This amendment is to simplify the subsequent measurement of goodwill by eliminating step two from the goodwill impairment test. Instead, an entity will perform only step one of its quantitative goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount, and then recognizing the impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized cannot exceed the total amount of goodwill allocated to that reporting unit. An entity will still have the option to perform a qualitative assessment for a reporting unit to determine if the quantitative step one impairment test is necessary. This amendment is effective for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019, and should be applied prospectively. Early adoption is permitted, including in an interim period for impairment tests performed after January 1, 2017. Heartland intends to adopt this ASU in the third quarter of 2020, consistent with the annual impairment test as of September 30, 2020, and is currently evaluating the potential impact of this guidance on its results of operations, financial position and liquidity. In March 2017, the FASB issued ASU 2017-08, "Receivables - Nonrefundable Fee and Other Costs (Subtopic 310-20)." These amendments shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount. Discounts continue to be amortized to maturity. These amendments are effective for public business entities for fiscal years and interim periods within those fiscal years, beginning after December 15, 2018. Early adoption was permitted, including adoption in an interim period. If any entity early adopts the amendments in an interim period, any adjustments must be reflected as of the beginning of the fiscal year that includes the interim period. The amendments must be applied and Heartland applied these amendments on a modified retrospective basis, with a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Heartland adopted this ASU on January 1, 2019, as required, and determined these amendments did not have a material impact on its results of operations, financial position and liquidity. In August 2017, the FASB issued ASU 2017-12, " Derivatives and Hedging: Targeted Improvements to Accounting for Hedging Activities ." The purpose of this updated guidance is to better align a company’s financial reporting for hedging activities with the economic objectives of those activities. ASU 2017-12 is effective for public business entities for fiscal years beginning after December 15, 2018, with early adoption, including adoption in an interim period, permitted. For a closed portfolio of prepayable financial assets or one or more beneficial interests secured by a portfolio of prepayable financial instruments, this ASU permits an entity to designate an amount that is not expected to be affected by prepayments, defaults, and other events affecting the timing and amount of cash flows (the "last-of-layer" method). Under this designation, prepayment risk is not incorporated into the measurement of the hedged item. ASU 2017-12 requires a modified retrospective transition method in which Heartland will recognize the cumulative effect of the change on the opening balance of each affected component of equity on the balance sheet as of the date of adoption. Heartland adopted this ASU on January 1, 2019, as required, and as a result of the adoption, $148.0 million of held to maturity securities were reclassified to available for sale debt securities carried at fair value. There was no impact to Heartland's results of operations, or liquidity as a result of the adoption of this amendment. In August 2018, the FASB issued ASU 2018-13, " Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement. " This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. ASU 2018-13 is effective for interim and annual reporting periods beginning after December 15, 2019, and early adoption is permitted. Entities are also allowed to elect early adoption for the eliminated or modified disclosure requirements and delay adoption of the new disclosure requirements until their effective date. Heartland intends to adopt this ASU in 2020, as required, and because the ASU only revises disclosure requirements, the adoption of this ASU will not have a material impact on Heartland's results of operations, financial position and liquidity. In August 2018, the FASB issued ASU 2018-15, "Intangible-Goodwill and Other-Internal Use Software (Subtopic 350-40): Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract." The amendment aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. The amendments in this update require an entity in a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize as an asset related to the service contract and which costs to expense. The amendments also require the entity to expense the capitalized implementation costs of a hosting arrangement that is a service contract over the term of the hosting arrangement. The amendment is effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, and the amendment can be applied either retrospectively or prospectively to all implementation costs incurred after the date of adoption. Early adoption was permitted. Heartland early adopted this ASU using the prospective approach in the second quarter of 2019, and the adoption did not have a material impact on its results of operations, financial position and liquidity. In October 2018, the FASB issued ASU 2018-16, " Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting." In the United States, eligible benchmark interest rates under Topic 815 are interest rates on direct Treasury obligations of the U.S. government ("UST"), the London Interbank Offered Rate ("LIBOR") swap rate, and the Overnight Index Swap ("OIS") Rate based on the Fed Funds Effective Rate. When the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities , in August 2017, it introduced the Securities Industry and Financial Markets Association ("SIFMA") Municipal Swap Rate as the fourth permissible U.S. benchmark rate. The new ASU adds the OIS rate based on the Secured Overnight Financing Rate ("SOFR") as a U.S. benchmark interest rate to facilitate the LIBOR to SOFR transition and provide sufficient lead time for entities to prepare for changes to interest rate risk hedging strategies for both risk management and hedge accounting purposes. The amendments in this update became effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years and the financial statement impact immediately upon adoption was immaterial. The future financial statement impact will depend on any new contracts entered into using new benchmark rates, as well as any existing contracts that get migrated from LIBOR to new benchmark interest rates. Heartland is currently evaluating the impact of the transition from LIBOR as an interest rate benchmark to other potential alternative reference rates, including but not limited to the SOFR. Currently, Heartland has adjustable rate loans, several debt obligations and derivative instruments in place that reference LIBOR-based rates. The transition from LIBOR is estimated to take place at the end of 2021, and management will continue to actively assess the related opportunities and risks involved in this transition. In December 2019, the FASB issued ASU 2019-12, "Income Taxes (Topic 740) - Simplifying the Accounting for Income Taxes." The guidance issued in this update simplifies the accounting for income taxes by eliminating certain exceptions to the guidance in ASC 740 related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. ASU 2019-12 also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. Heartland intends to adopt this ASU on January 1, 2021, as required, and the adoption is not expected to have a material impact on its results of operations, financial position and liquidity.
Fair Value Hierarchy	Fair Value Hierarchy Under ASC 820, assets and liabilities are grouped at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are: Level 1 — Valuation is based upon quoted prices for identical instruments in active markets. Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 — Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The following is a description of valuation methodologies used for assets and liabilities recorded at fair value on a recurring or non-recurring basis. Assets Securities Available for Sale and Held to Maturity Securities available for sale are recorded at fair value on a recurring basis. Securities held to maturity are generally recorded at cost and are only recorded at fair value to the extent a decline in fair value is determined to be other-than-temporary. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, as well as U.S. Treasury securities. Level 2 securities include U.S. government and agency securities, mortgage and asset-backed securities and private collateralized mortgage obligations, municipal bonds, equity securities and corporate debt securities. On a quarterly basis, a secondary independent pricing service is used for the securities portfolio to validate the pricing from Heartland's primary pricing service. Equity Securities with a Readily Determinable Fair Value Equity securities with a readily determinable fair value generally include Community Reinvestment Act mutual funds and are classified as Level 2 due to the infrequent trading of these securities. The fair value is based on the price per share. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value on an aggregate basis. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, Heartland classifies loans held for sale subjected to nonrecurring fair value adjustments as Level 2. Prior to December 31, 2018, Heartland entered into an agreement with a third-party to sell the loan portfolios of its consumer finance subsidiaries. The loan portfolios were classified as held for sale and recorded at fair value at December 31, 2018. Heartland classified these loans as nonrecurring Level 3 in the fair value hierarchy because the negotiated sales price was unobservable. Loans Held to Maturity Heartland does not record loans held to maturity at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment in accordance with ASC 310. The fair value of impaired loans is measured using one of the following impairment methods: 1) the present value of expected future cash flows discounted at the loan's effective interest rate or 2) the observable market price of the loan or 3) the fair value of the collateral if the loan is collateral dependent. In accordance with ASC 820, impaired loans measured at fair value are classified as nonrecurring Level 3 in the fair value hierarchy. Premises, Furniture and Equipment Held for Sale Heartland values premises, furniture and equipment held for sale based on third-party appraisals less estimated disposal costs. Heartland considers third party appraisals, as well as independent fair value assessments from Realtors or persons involved in selling bank premises, furniture and equipment, in determining the fair value of particular properties. Accordingly, the valuation of premises, furniture and equipment held for sale is subject to significant external and internal judgment. Heartland periodically reviews premises, furniture and equipment held for sale to determine if the fair value of the property, less disposal costs, has declined below its recorded book value and records any adjustments accordingly. Premises, furniture and equipment held for sale are classified as nonrecurring Level 3 in the fair value hierarchy. Mortgage Servicing Rights Mortgage servicing rights assets represent the value associated with servicing residential real estate loans that have been sold to outside investors with servicing retained. The fair value for servicing assets is determined through discounted cash flow analysis and utilizes discount rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. Mortgage servicing rights are subject to impairment testing. The carrying values of these rights are reviewed quarterly for impairment based upon the calculation of fair value as performed by an outside third party. For purposes of measuring impairment, the rights are stratified into certain risk characteristics including note type and note term. If the valuation model reflects a value less than the carrying value, mortgage servicing rights are adjusted to fair value through a valuation allowance. Heartland classifies mortgage servicing rights as nonrecurring with Level 3 measurement inputs. Commercial Servicing Rights Commercial servicing rights assets represent the value associated with servicing commercial loans guaranteed by the Small Business Administration and United States Department of Agriculture that have been sold with servicing retained by Heartland. Heartland uses the amortization method (i.e., the lower of amortized cost or estimated fair value measured on a nonrecurring basis), not fair value measurement accounting, to determine the carrying value of its commercial servicing rights. The fair value for servicing assets is determined through market prices for comparable servicing contracts, when available, or through a valuation model that calculates the present value of estimated future net servicing income. Inputs utilized include discount rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. Commercial servicing rights are subject to impairment testing, and the carrying values of these rights are reviewed quarterly for impairment based upon the calculation of fair value as performed by an outside third party. If the valuation model reflects a fair value less than the carrying value, commercial servicing rights are adjusted to fair value through a valuation allowance. Heartland classifies commercial servicing rights as nonrecurring with Level 3 measurement inputs. Derivative Financial Instruments Heartland's current interest rate risk strategy includes interest rate swaps. The valuation of these instruments is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. To comply with the provisions of ASC 820, Heartland incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counterparty's nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, Heartland has considered the impact of netting any applicable credit enhancements, such as collateral postings, thresholds, mutual puts, and guarantees. Although Heartland has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with its derivatives utilize Level 3 inputs, such as estimates of current credit spreads to evaluate the likelihood of default by itself and its counterparties. However, as of December 31, 2019, and December 31, 2018, Heartland has assessed the significance of the impact of the credit valuation adjustments on the overall valuation of its derivative positions and has determined that the credit valuation adjustments are not significant to the overall valuation of its derivatives. As a result, Heartland has determined that its derivative valuations in their entirety are classified in Level 2 of the fair value hierarchy. Interest Rate Lock Commitments Heartland uses an internal valuation model that relies on internally developed inputs to estimate the fair value of its interest rate lock commitments which is based on unobservable inputs that reflect management's assumptions and specific information about each borrower. Interest rate lock commitments are classified in Level 3 of the fair value hierarchy. Forward Commitments The fair value of forward commitments are estimated using an internal valuation model, which includes current trade pricing for similar financial instruments in active markets that Heartland has the ability to access and are classified in Level 2 of the fair value hierarchy. Other Real Estate Owned Other real estate owned ("OREO") represents property acquired through foreclosures and settlements of loans. Property acquired is carried at the fair value of the property at the time of acquisition (representing the property's cost basis), plus any acquisition costs, or the estimated fair value of the property, less disposal costs. Heartland considers third party appraisals, as well as independent fair value assessments from realtors or persons involved in selling OREO, in determining the fair value of particular properties. Accordingly, the valuation of OREO is subject to significant external and internal judgment. Heartland
Revenue	On January 1, 2018, Heartland adopted ASU 2014-09, "Revenue from Contracts with Customers" (Topic 606), and all subsequent ASUs that modified Topic 606. The implementation of the standard did not have a material impact on the measurement or recognition of revenue; as such, a cumulative effect adjustment to opening retained earnings was not deemed necessary. Results for reporting periods beginning after January 1, 2018 are presented under Topic 606, while prior period amounts were not adjusted and continue to be reported in accordance with Topic 605. Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities. In addition, certain noninterest income streams such as fees associated with loan servicing income, bank owned life insurance, derivatives and certain credit card fees are also not in scope of the guidance. Topic 606 is applicable to noninterest revenue streams such as service charges and fees, trust fees, and brokerage and insurance commissions. However, the recognition of these revenue streams did not change significantly upon adoption of Topic 606. Substantially all of Heartland's revenue is generated from contracts with customers. Noninterest revenue streams in-scope of Topic 606 are discussed below. Service Charges and Fees Service charges and fees consist of revenue generated from deposit account related service charges and fees, overdraft fees, customer service fees, credit card fee income, debit card income and other service charges and fees. Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service fees, check orders and other deposit account related fees. Heartland's performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees, including overdraft fees, are largely transactional based, and therefore, the performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Customer service fees and other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. Heartland's performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. Credit card fee income and debit card income are comprised of interchange fees, ATM fees, and merchant services income. Credit card fee income and debit card income are earned whenever the banks' debit and credit cards are processed through card payment networks such as Visa. ATM fees are primarily generated when a bank cardholder uses an ATM that is not owned by one of Heartland's banks or a non-bank cardholder uses Heartland-owned ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Trust Fees Trust fees are primarily comprised of fees earned from the management and administration of trusts and other customer assets. Heartland's performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the average daily market value or month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days before or after month end through a direct charge to customers’ accounts. Heartland does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. Heartland's performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Brokerage and Insurance Commissions Brokerage commission primarily consist of commissions related to broker-dealer contracts. The contracts are between the customer and the broker-dealer, and Heartland satisfies its performance obligation and earns commission when the transactions are completed. The recognition of revenue is based on a defined fee schedule and does not require significant judgment. Payment is received shortly after services are rendered. Insurance commissions are related to commissions received directly from the insurance carrier. Heartland acts as an insurance agent between the customer and the insurance carrier. Heartland's performance obligations and associated fee and commission income are defined with each insurance product with the insurance company. When insurance payments are received from customers, a portion of the payment is recognized as commission revenue. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. Heartland's noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after Heartland satisfies its performance obligation and revenue is recognized. Heartland does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2019, 2018 and 2017, Heartland did not have any significant contract balances. Contract Acquisition Costs

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	Amounts used in the determination of basic and diluted earnings per share for the years ended December 31, 2019, 2018 and 2017, are shown in the table below: (Dollars and number of shares in thousands, except per share data) 2019 2018 2017 Net income attributable to Heartland $ 149,129 $ 116,998 $ 75,272 Preferred dividends — (39) (58) Interest expense on convertible preferred debt — — 12 Net income available to common stockholders $ 149,129 $ 116,959 $ 75,226 Weighted average common shares outstanding for basic earnings per share 35,991 33,012 28,168 Assumed incremental common shares issued upon vesting of restricted stock units 71 201 258 Weighted average common shares for diluted earnings per share 36,062 33,213 28,426 Earnings per common share — basic $ 4.14 $ 3.54 $ 2.67 Earnings per common share — diluted $ 4.14 $ 3.52 $ 2.65

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2019
Business Combinations [Abstract]
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	The following table represents, in thousands, the amounts recorded on the consolidated balance sheet as of May 18, 2018: As of May 18, 2018 Fair value of consideration paid: Common stock (3,350,664 shares) $ 184,454 Cash 5,451 Total consideration paid 189,905 Fair value of assets acquired Cash and cash equivalents 212,105 Securities: Carried at fair value 1,788 Other securities 3,268 Loans held for sale 31,050 Loans held to maturity 681,080 Premises, furniture and equipment, net 23,271 Other real estate, net 379 Mortgage servicing rights 6,995 Core deposit intangibles and customer relationships, net 13,908 Cash surrender value on life insurance 14,997 Other assets 7,185 Total assets 996,026 Fair value of liabilities assumed Deposits 893,827 Other borrowings 12,077 Other liabilities 21,580 Total liabilities assumed 927,484 Fair value of net assets acquired 68,542 Goodwill resulting from acquisition $ 121,363

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost, Gross Unrealized Gains and Losses and Estimated Fair Value of Investment Securities	The amortized cost, gross unrealized gains and losses and estimated fair values of debt securities available for sale and equity securities with a readily determinable fair value as of December 31, 2019, and December 31, 2018, are summarized in the table below, in thousands: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 U.S. government corporations and agencies $ 9,844 $ 49 $ — $ 9,893 Mortgage and asset-backed securities 2,579,081 17,200 (19,003) 2,577,278 Obligations of states and political subdivisions 704,073 12,516 (9,399) 707,190 Total debt securities 3,292,998 29,765 (28,402) 3,294,361 Equity securities with a readily determinable fair value 18,435 — — 18,435 Total $ 3,311,433 $ 29,765 $ (28,402) $ 3,312,796 December 31, 2018 U.S. government corporations and agencies $ 32,075 $ 3 $ (127) $ 31,951 Mortgage and asset-backed securities 2,061,358 3,740 (38,400) 2,026,698 Obligations of states and political subdivisions 382,101 919 (8,046) 374,974 Total debt securities 2,475,534 4,662 (46,573) 2,433,623 Equity securities 17,086 — — 17,086 Total $ 2,492,620 $ 4,662 $ (46,573) $ 2,450,709 The amortized cost and estimated fair value of investment securities carried at fair value at December 31, 2019, by contractual maturity are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties. December 31, 2019 Amortized Cost Estimated Fair Value Due in 1 year or less $ 12,121 $ 12,171 Due in 1 to 5 years 28,111 28,434 Due in 5 to 10 years 76,299 77,942 Due after 10 years 597,386 598,536 Total debt securities 713,917 717,083 Mortgage and asset-backed securities 2,579,081 2,577,278 Equity securities with a readily determinable fair value 18,435 18,435 Total investment securities $ 3,311,433 $ 3,312,796
Schedule of Securities Held to Maturity	The amortized cost, gross unrealized gains and losses and estimated fair values of held to maturity securities as of December 31, 2019, and December 31, 2018, are summarized in the table below, in thousands: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2019 Obligations of states and political subdivisions $ 91,324 $ 9,160 $ — $ 100,484 Total $ 91,324 $ 9,160 $ — $ 100,484 December 31, 2018 Obligations of states and political subdivisions $ 236,283 $ 9,554 $ (496) $ 245,341 Total $ 236,283 $ 9,554 $ (496) $ 245,341 The amortized cost and estimated fair value of debt securities held to maturity at December 31, 2019, by contractual maturity are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties. December 31, 2019 Amortized Cost Estimated Fair Value Due in 1 year or less $ 2,443 $ 2,472 Due in 1 to 5 years 17,604 18,153 Due in 5 to 10 years 59,708 64,775 Due after 10 years 11,569 15,084 Total investment securities $ 91,324 $ 100,484
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value [Table Text Block]	The following tables summarize, in thousands, the amount of unrealized losses, defined as the amount by which cost or amortized cost exceeds fair value, and the related fair value of investments with unrealized losses in Heartland's securities portfolio as of December 31, 2019, and December 31, 2018. The investments were segregated into two categories: those that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months. The reference point for determining how long an investment was in an unrealized loss position w as December 31, 2019, and December 31, 2018, respectively. Securities for which Heartland has taken credit-related other-than-temporary impairment ("OTTI") write-downs are categorized as being "less than 12 months" or "12 months or longer" in a continuous loss position based on the point in time that the fair value declined to below the cost basis and not the period of time since the credit-related OTTI write-down. Debt securities available for sale Less than 12 months 12 months or longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 U.S. government corporations and agencies $ — $ — $ — $ — $ — $ — Mortgage and asset-backed securities 1,231,732 (14,189) 241,232 (4,814) 1,472,964 (19,003) Obligations of states and political subdivisions 387,534 (9,399) — — 387,534 (9,399) Total temporarily impaired securities $ 1,619,266 $ (23,588) $ 241,232 $ (4,814) $ 1,860,498 $ (28,402) December 31, 2018 U.S. government corporations and agencies $ 24,902 $ (83) $ 4,577 $ (44) $ 29,479 $ (127) Mortgage and asset-backed securities 733,826 (9,060) 805,089 (29,340) 1,538,915 (38,400) Obligations of states and political subdivisions 34,990 (390) 258,143 (7,656) 293,133 (8,046) Total temporarily impaired securities $ 793,718 $ (9,533) $ 1,067,809 $ (37,040) $ 1,861,527 $ (46,573)
Schedule of Realized Gross Gains and Losses on Sales of Securities Available for Sale	Gross gains and losses realized related to sales of securities carried at fair value for the years ended December 31, 2019, 2018 and 2017 are summarized as follows, in thousands: 2019 2018 2017 Available for Sale Securities sold: Proceeds from sales $ 1,628,467 $ 727,895 $ 1,456,750 Gross security gains 11,774 3,661 10,585 Gross security losses 4,115 2,576 3,812
Schedule of Unrealized Losses on Securities Held to Maturity	Securities held to maturity Less than 12 months 12 months or longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 Obligations of states and political subdivisions $ — $ — $ — $ — $ — $ — Total temporarily impaired securities $ — $ — $ — $ — $ — $ — December 31, 2018 Obligations of states and political subdivisions $ 10,802 $ (17) $ 19,508 $ (479) $ 30,310 $ (496) Total temporarily impaired securities $ 10,802 $ (17) $ 19,508 $ (479) $ 30,310 $ (496)

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Schedule of Loans and Leases	Loans as of December 31, 2019, and December 31, 2018, were as follows, in thousands: December 31, 2019 December 31, 2018 Loans receivable held to maturity: Commercial $ 2,419,909 $ 2,020,231 Commercial real estate 4,370,549 3,711,481 Agricultural and agricultural real estate 533,064 565,408 Residential real estate 597,742 673,603 Consumer 452,233 440,158 Gross loans receivable held to maturity 8,373,497 7,410,881 Unearned discount (680) (1,624) Deferred loan fees (4,900) (1,560) Total net loans receivable held to maturity 8,367,917 7,407,697 Allowance for loan losses (70,395) (61,963) Loans receivable, net $ 8,297,522 $ 7,345,734 Allowance For Loan Losses Gross Loans Receivable Held to Maturity Ending Balance Under ASC 310-10-35 Ending Balance Under ASC 450-20 Total Ending Balance Evaluated for Impairment Under ASC 310-10-35 Ending Balance Evaluated for Impairment Under ASC 450-20 Total December 31, 2019 Commercial $ 6,245 $ 21,499 $ 27,744 $ 24,438 $ 2,395,471 $ 2,419,909 Commercial real estate 451 30,292 30,743 18,652 4,351,897 4,370,549 Agricultural and agricultural real estate 916 4,701 5,617 22,686 510,378 533,064 Residential real estate 110 1,328 1,438 16,740 581,002 597,742 Consumer 450 4,403 4,853 4,536 447,697 452,233 Total $ 8,172 $ 62,223 $ 70,395 $ 87,052 $ 8,286,445 $ 8,373,497 December 31, 2018 Commercial $ 5,733 $ 18,772 $ 24,505 $ 24,202 $ 1,996,029 $ 2,020,231 Commercial real estate 218 25,320 25,538 14,388 3,697,093 3,711,481 Agricultural and agricultural real estate 686 4,267 4,953 15,951 549,457 565,408 Residential real estate 168 1,617 1,785 20,251 653,352 673,603 Consumer 749 4,433 5,182 7,004 433,154 440,158 Total $ 7,554 $ 54,409 $ 61,963 $ 81,796 $ 7,329,085 $ 7,410,881
Schedule of Loans Not Covered Under Loss Share Agreements	The following table presents nonaccrual loans, accruing loans past due 90 days or more and troubled debt restructured loans at December 31, 2019, and December 31, 2018, in thousands: December 31, 2019 December 31, 2018 Nonaccrual loans $ 72,754 $ 67,833 Nonaccrual troubled debt restructured loans 3,794 4,110 Total nonaccrual loans $ 76,548 $ 71,943 Accruing loans past due 90 days or more $ 4,105 $ 726 Performing troubled debt restructured loans $ 3,794 $ 4,026
Schedule of Troubled Debt Restructured Loans Modified	The following table provides information on troubled debt restructured loans that were modified during the years ended December 31, 2019, and December 31, 2018, in thousands: For the Years Ended December 31, 2019 December 31, 2018 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Commercial 1 $ 40 $ 40 — $ — $ — Commercial real estate — — — — — — Total commercial and commercial real estate 1 40 40 — — — Agricultural and agricultural real estate — — — — — — Residential real estate 6 623 649 16 2,843 2,559 Consumer — — — — — — Total 7 $ 663 $ 689 16 $ 2,843 $ 2,559
Schedule of Troubled Debt Restructured Loans with Payment Default	The following table provides information on troubled debt restructured loans for which there was a payment default during the years ended December 31, 2019, and December 31, 2018, in thousands, that had been modified during the 12-month period prior to the default: With Payment Defaults During the Following Periods For the Years Ended December 31, 2019 December 31, 2018 Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial — $ — — $ — Commercial real estate — — — — Total commercial and commercial real estate — — — — Agricultural and agricultural real estate — — — — Residential real estate 2 210 7 1,036 Consumer — — — — Total 2 $ 210 7 $ 1,036
Schedule of Loans and Leases Not Covered by Loss Share Agreements by Credit Quality Indicator	The following table presents loans by credit quality indicator at December 31, 2019, and December 31, 2018, in thousands: Pass Nonpass Total December 31, 2019 Commercial $ 2,251,115 $ 168,794 $ 2,419,909 Commercial real estate 4,141,436 229,113 4,370,549 Total commercial and commercial real estate 6,392,551 397,907 6,790,458 Agricultural and agricultural real estate 415,455 117,609 533,064 Residential real estate 569,401 28,341 597,742 Consumer 439,321 12,912 452,233 Total gross loans receivable held to maturity $ 7,816,728 $ 556,769 $ 8,373,497 December 31, 2018 Commercial $ 1,880,579 $ 139,652 $ 2,020,231 Commercial real estate 3,524,344 187,137 3,711,481 Total commercial and commercial real estate 5,404,923 326,789 5,731,712 Agricultural and agricultural real estate 471,642 93,766 565,408 Residential real estate 645,478 28,125 673,603 Consumer 425,451 14,707 440,158 Total gross loans receivable held to maturity $ 6,947,494 $ 463,387 $ 7,410,881
Schedule of Accruing and Nonaccrual Loans and Leases Not Covered by Loss Share Agreements	The following table sets forth information regarding Heartland's accruing and nonaccrual loans at December 31, 2019, and December 31, 2018, in thousands: Accruing Loans 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Nonaccrual Total Loans December 31, 2019 Commercial $ 5,075 $ 726 $ 3,899 $ 9,700 $ 2,384,637 $ 25,572 $ 2,419,909 Commercial real estate 9,457 1,012 84 10,553 4,348,672 11,324 4,370,549 Total commercial and commercial real estate 14,532 1,738 3,983 20,253 6,733,309 36,896 6,790,458 Agricultural and agricultural real estate 3,734 209 26 3,969 504,419 24,676 533,064 Residential real estate 4,382 72 96 4,550 582,257 10,935 597,742 Consumer 2,674 482 — 3,156 445,036 4,041 452,233 Total gross loans receivable held to maturity $ 25,322 $ 2,501 $ 4,105 $ 31,928 $ 8,265,021 $ 76,548 $ 8,373,497 December 31, 2018 Commercial $ 2,574 $ 205 $ — $ 2,779 $ 1,991,525 $ 25,927 $ 2,020,231 Commercial real estate 4,819 — 726 5,545 3,694,259 11,677 3,711,481 Total commercial and commercial real estate 7,393 205 726 8,324 5,685,784 37,604 5,731,712 Agricultural and agricultural real estate 99 — — 99 549,376 15,933 565,408 Residential real estate 5,147 49 — 5,196 655,329 13,078 673,603 Consumer 2,724 307 — 3,031 431,799 5,328 440,158 Total gross loans receivable held to maturity $ 15,363 $ 561 $ 726 $ 16,650 $ 7,322,288 $ 71,943 $ 7,410,881
Summary of Impaired Loans	The following tables present the unpaid principal balance that was contractually due at December 31, 2019, and December 31, 2018, the outstanding loan balance recorded on the consolidated balance sheets at December 31, 2019, and December 31, 2018, any related allowance recorded for those loans as of December 31, 2019, and December 31, 2018, the average outstanding loan balance recorded on the consolidated balance sheets during the years ended December 31, 2019, and December 31, 2018, and the interest income recognized on the impaired loans during the year ended December 31, 2019, and year ended December 31, 2018, in thousands: Unpaid Principal Balance Loan Balance Related Allowance Recorded Year-to-Date Avg. Loan Balance Year-to-Date Interest Income Recognized December 31, 2019 Impaired loans with a related allowance: Commercial $ 11,696 $ 11,679 $ 6,245 $ 11,757 $ 6 Commercial real estate 1,319 1,319 451 1,435 22 Total commercial and commercial real estate 13,015 12,998 6,696 13,192 28 Agricultural and agricultural real estate 2,750 2,237 916 2,739 — Residential real estate 927 927 110 1,116 — Consumer 1,029 1,027 450 1,170 11 Total loans held to maturity $ 17,721 $ 17,189 $ 8,172 $ 18,217 $ 39 Impaired loans without a related allowance: Commercial $ 15,180 $ 12,759 $ — $ 12,831 $ 740 Commercial real estate 17,413 17,333 — 16,798 471 Total commercial and commercial real estate 32,593 30,092 — 29,629 1,211 Agricultural and agricultural real estate 23,245 20,449 — 16,837 60 Residential real estate 15,824 15,813 — 17,073 280 Consumer 3,509 3,509 — 4,182 45 Total loans held to maturity $ 75,171 $ 69,863 $ — $ 67,721 $ 1,596 Total impaired loans held to maturity: Commercial $ 26,876 $ 24,438 $ 6,245 $ 24,588 $ 746 Commercial real estate 18,732 18,652 451 18,233 493 Total commercial and commercial real estate 45,608 43,090 6,696 42,821 1,239 Agricultural and agricultural real estate 25,995 22,686 916 19,576 60 Residential real estate 16,751 16,740 110 18,189 280 Consumer 4,538 4,536 450 5,352 56 Total impaired loans held to maturity $ 92,892 $ 87,052 $ 8,172 $ 85,938 $ 1,635 Unpaid Principal Balance Loan Balance Related Allowance Recorded Year-to-Date Avg. Loan Balance Year-to-Date Interest Income Recognized December 31, 2018 Impaired loans with a related allowance: Commercial $ 12,376 $ 12,366 $ 5,733 $ 4,741 $ 33 Commercial real estate 891 891 218 4,421 25 Total commercial and commercial real estate 13,267 13,257 5,951 9,162 58 Agricultural and agricultural real estate 1,718 1,718 686 2,165 2 Residential real estate 647 647 168 1,138 12 Consumer 1,373 1,373 749 2,934 29 Total loans held to maturity $ 17,005 $ 16,995 $ 7,554 $ 15,399 $ 101 Impaired loans without a related allowance: Commercial $ 13,616 $ 11,836 $ — $ 10,052 $ 299 Commercial real estate 13,578 13,497 — 13,000 249 Total commercial and commercial real estate 27,194 25,333 — 23,052 548 Agricultural and agricultural real estate 16,836 14,233 — 14,781 5 Residential real estate 19,604 19,604 — 23,950 308 Consumer 5,631 5,631 — 5,117 97 Total loans held to maturity $ 69,265 $ 64,801 $ — $ 66,900 $ 958 Total impaired loans held to maturity: Commercial $ 25,992 $ 24,202 $ 5,733 $ 14,793 $ 332 Commercial real estate 14,469 14,388 218 17,421 274 Total commercial and commercial real estate 40,461 38,590 5,951 32,214 606 Agricultural and agricultural real estate 18,554 15,951 686 16,946 7 Residential real estate 20,251 20,251 168 25,088 320 Consumer 7,004 7,004 749 8,051 126 Total impaired loans held to maturity $ 86,270 $ 81,796 $ 7,554 $ 82,299 $ 1,059 The carrying amount of the acquired loans at December 31, 2019, and December 31, 2018, consisted of purchased impaired and nonimpaired purchased loans as summarized in the following table, in thousands: December 31, 2019 December 31, 2018 Impaired Purchased Loans Non Impaired Purchased Loans Total Purchased Loans Impaired Non Impaired Total Commercial $ 7,181 $ 317,689 $ 324,870 $ 3,801 $ 243,693 $ 247,494 Commercial real estate 4,581 1,145,027 1,149,608 158 1,098,171 1,098,329 Agricultural and agricultural real estate — 9,434 9,434 — 27,115 27,115 Residential real estate — 181,453 181,453 231 184,389 184,620 Consumer loans 569 82,700 83,269 — 75,773 75,773 Total Covered Loans $ 12,331 $ 1,736,303 $ 1,748,634 $ 4,190 $ 1,629,141 $ 1,633,331
Changes in Accretable Yield on Acquired Loans	Changes in accretable yield on acquired loans with evidence of credit deterioration at the date of acquisition for the years ended December 31, 2019, and December 31, 2018, are presented in the table below, in thousands: For the Years Ended December 31, 2019 December 31, 2018 Balance at beginning of year $ 227 $ 57 Original yield discount, net, at date of acquisitions 64 508 Accretion (2,479) (1,743) Reclassification from nonaccretable difference (1) 2,581 1,405 Balance at end of year $ 393 $ 227 (1) Represents increases in estimated cash flows expected to be received, primarily due to lower estimated credit losses.
Summary of Changes in Related Party Loans	Changes in such loans during the years ended December 31, 2019 and 2018, were as follows, in thousands: 2019 2018 Balance at beginning of year $ 124,983 $ 115,673 Advances 91,287 44,771 Repayments (31,702) (35,461) Balance at end of year $ 184,568 $ 124,983

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Changes in Allowance for Loan Losses	Changes in the allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 were as follows, in thousands: 2019 2018 2017 Balance at beginning of year $ 61,963 $ 55,686 $ 54,324 Provision for loan losses 16,657 24,013 15,563 Recoveries on loans previously charged-off 5,365 3,549 3,670 Loans charged-off (13,590) (21,285) (17,871) Balance at end of year $ 70,395 $ 61,963 $ 55,686 Changes in the allowance for loan losses by loan category for the years ended December 31, 2019, and December 31, 2018, were as follows, in thousands: Commercial Commercial Real Estate Agricultural Residential Real Estate Consumer Total Balance at December 31, 2018 $ 24,505 $ 25,538 $ 4,953 $ 1,785 $ 5,182 $ 61,963 Charge-offs (7,294) (272) (2,656) (407) (2,961) (13,590) Recoveries 1,743 1,391 536 73 1,622 5,365 Provision 8,790 4,086 2,784 (13) 1,010 16,657 Balance at December 31, 2019 $ 27,744 $ 30,743 $ 5,617 $ 1,438 $ 4,853 $ 70,395 Commercial Commercial Real Estate Agricultural Residential Real Estate Consumer Total Balance at December 31, 2017 $ 18,098 $ 21,950 $ 4,258 $ 2,224 $ 9,156 $ 55,686 Charge-offs (7,916) (1,977) (1,437) (372) (9,583) (21,285) Recoveries 978 1,047 13 96 1,415 3,549 Provision 13,345 4,518 2,119 (163) 4,194 24,013 Balance at December 31, 2018 $ 24,505 $ 25,538 $ 4,953 $ 1,785 $ 5,182 $ 61,963

Premises, Furniture and Equip_2

Premises, Furniture and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Schedule of Premises, Furniture and Equipment	Premises, furniture and equipment, excluding those held for sale, as of December 31, 2019, and December 31, 2018, were as follows, in thousands: 2019 2018 Land and land improvements $ 60,444 $ 52,442 Buildings and building improvements 176,838 170,160 Furniture and equipment 65,617 66,941 Total 302,899 289,543 Less accumulated depreciation (105,341) (102,125) Premises, furniture and equipment, net $ 197,558 $ 187,418

Goodwill, Core Deposit Intang_2

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Gross Carrying Amount and Accumulated Amortization of Other Intangible Assets	The gross carrying amount of other intangible assets and the associated accumulated amortization at December 31, 2019, and December 31, 2018, are presented in the table below, in thousands: December 31, 2019 December 31, 2018 Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount Amortizing intangible assets: Core deposit intangibles $ 96,821 $ 48,338 $ 48,483 $ 83,640 $ 36,403 $ 47,237 Customer relationship intangible 1,177 972 205 1,177 935 242 Mortgage servicing rights 7,886 2,265 5,621 42,228 12,865 29,363 Commercial servicing rights 6,952 5,837 1,115 6,834 5,125 1,709 Total $ 112,836 $ 57,412 $ 55,424 $ 133,879 $ 55,328 $ 78,551
Schedule of Estimated Future Amortization Expense of Amortizable Intangible Assets	The following table shows the estimated future amortization expense for amortizable intangible assets, in thousands: Core Deposit Intangibles Customer Relationship Intangible Mortgage Servicing Rights Commercial Servicing Rights Total Year ending December 31, 2020 $ 10,577 $ 37 $ 1,405 $ 301 $ 12,320 2021 8,691 35 1,205 267 10,198 2022 7,102 34 1,004 235 8,375 2023 6,201 34 803 155 7,193 2024 5,108 33 602 86 5,829 Thereafter 10,804 32 602 71 11,509 Total $ 48,483 $ 205 $ 5,621 $ 1,115 $ 55,424
Summary of Changes in Servicing Rights	The following table summarizes, in thousands, the changes in capitalized mortgage servicing rights for the twelve months ended December 31, 2019, and December 31, 2018: 2019 2018 Balance at January 1 $ 29,363 $ 23,248 Originations 893 5,045 Amortization (3,168) (5,867) Sale of mortgage servicing rights (20,556) — Acquired mortgage servicing rights — 6,995 Valuation allowance on servicing rights (911) (58) Balance at December 31 $ 5,621 $ 29,363 Fair value of mortgage servicing rights $ 5,621 $ 48,680 Mortgage servicing rights, net to servicing portfolio 0.91 % 0.72 % The following table summarizes, in thousands, the changes in capitalized commercial servicing rights for the twelve months ended December 31, 2019, and December 31, 2018: 2019 2018 Balance at January 1, $ 1,709 $ 2,609 Originations 118 115 Amortization (712) (1,027) Purchased commercial servicing rights — — Valuation allowance on servicing rights — 12 Balance at December 31, $ 1,115 $ 1,709 Fair value of commercial servicing rights $ 1,594 $ 2,134 Commercial servicing rights, net to servicing portfolio 1.36 % 1.59 %
Schedule of Servicing Asset at Fair Value and Amortized Cost	The following table summarizes, in thousands, the book value, the fair value of each tranche of the mortgage servicing rights and any recorded valuation allowance at each respective subsidiary at December 31, 2019, and December 31, 2018: December 31, 2019 Book Value 15-Year Tranche Fair Value 15-Year Tranche Impairment 15-Year Tranche Book Value 30-Year Tranche Fair Value 30-Year Tranche Impairment 30-Year Tranche Dubuque Bank and Trust Company $ — $ — $ — $ — $ — $ — First Bank & Trust 1,482 1,368 114 5,050 4,253 797 Total $ 1,482 $ 1,368 $ 114 $ 5,050 $ 4,253 $ 797 December 31, 2018 Dubuque Bank and Trust Company $ 2,195 $ 4,636 $ — $ 20,025 $ 36,901 $ — First Bank & Trust 1,685 1,665 20 5,516 5,478 38 Total $ 3,880 $ 6,301 $ 20 $ 25,541 $ 42,379 $ 38 The following table summarizes, in thousands, the book value, the fair value of each tranche of the commercial servicing rights and any recorded valuation allowance at each respective subsidiary at December 31, 2019, and December 31, 2018: Book Value- Less than 20 Years Fair Value- Less than 20 Years Impairment- Less than 20 Years Book Value- More than 20 Years Fair Value- More than 20 Years Impairment- More than 20 Years December 31, 2019 Citywide Banks $ — $ — $ — $ — $ — $ — Premier Valley Bank 1 13 — 135 161 — Wisconsin Bank & Trust 128 272 — 851 1,148 — Total $ 129 $ 285 $ — $ 986 $ 1,309 $ — December 31, 2018 Citywide Banks $ 1 $ 6 $ — $ 18 $ 20 $ — Premier Valley Bank 45 74 — 178 184 — Wisconsin Bank & Trust 249 411 — 1,218 1,439 — Total $ 295 $ 491 $ — $ 1,414 $ 1,643 $ —

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Schedule of Maturities of Time Certificates of Deposit	At December 31, 2019, the scheduled maturities of time certificates of deposit were as follows, in thousands: 2020 $ 802,410 2021 268,777 2022 63,822 2023 24,963 2024 20,755 Thereafter 12,316 $ 1,193,043
Schedule of Interest Expense on Deposits	Interest expense on deposits for the years ended December 31, 2019, 2018, and 2017, was as follows, in thousands: 2019 2018 2017 Savings and money market accounts $ 47,069 $ 25,123 $ 11,107 Time certificates of deposit in denominations of $100,000 or more 9,344 4,789 3,016 Other time deposits 7,321 5,755 4,156 Interest expense on deposits $ 63,734 $ 35,667 $ 18,279

Short-term Borrowings (Tables)

Short-term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Schedule of Short-term Borrowings	Short-term borrowings, which Heartland defines as borrowings with an original maturity of one year or less, as of December 31, 2019, and 2018, were as follows, in thousands: 2019 2018 Retail repurchase agreements $ 84,486 $ 80,124 Federal funds purchased 2,450 35,400 Advances from the FHLB 81,198 100,838 Other short-term borrowings 14,492 10,648 Total $ 182,626 $ 227,010 Average and maximum balances and rates on aggregate short-term borrowings outstanding during the years ended December 31, 2019, December 31, 2018 and December 31, 2017, were as follows, in thousands: 2019 2018 2017 Maximum month-end balance $ 226,096 $ 229,890 $ 324,691 Average month-end balance 128,098 152,391 182,846 Weighted average interest rate for the year 1.38 % 1.19 % 0.36 % Weighted average interest rate at year-end 1.21 % 1.96 % 1.11 %

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings, which Heartland defines as borrowings with an original maturity date of more than one year, outstanding at December 31, 2019 and 2018, are shown in the table below, net of discount and issuance costs amortization, in thousands: 2019 2018 Advances from the FHLB; weighted average interest rates were 4.08% and 4.03% at December 31, 2019 and 2018, respectively $ 2,835 $ 3,399 Trust preferred securities 145,343 130,913 Senior notes — 5,000 Note payable to unaffiliated bank 51,417 58,417 Contracts payable for purchase of real estate and other assets 1,892 1,953 Subordinated notes 74,286 74,143 Other borrowings — 1,080 Total $ 275,773 $ 274,905
Schedule of Trust Preferred Offerings Outstanding	A schedule of Heartland’s trust preferred offerings outstanding, as of December 31, 2019, were as follows, in thousands: Amount Issued Interest Rate Interest Rate as of 12/31/19 (1) Maturity Date Callable Date Heartland Financial Statutory Trust IV $ 10,310 2.75% over LIBOR 4.65% (2) 03/17/2034 03/17/2020 Heartland Financial Statutory Trust V 20,619 1.33% over LIBOR 3.32 (3) 04/07/2036 04/07/2020 Heartland Financial Statutory Trust VI 20,619 1.48% over LIBOR 3.37 (4) 09/15/2037 03/15/2020 Heartland Financial Statutory Trust VII 18,042 1.48% over LIBOR 3.39 (5) 09/01/2037 03/01/2020 Morrill Statutory Trust I 9,088 3.25% over LIBOR 5.20 12/26/2032 03/26/2020 Morrill Statutory Trust II 8,754 2.85% over LIBOR 4.75 12/17/2033 03/17/2020 Sheboygan Statutory Trust I 6,528 2.95% over LIBOR 4.85 09/17/2033 03/17/2020 CBNM Capital Trust I 4,409 3.25% over LIBOR 5.14 12/15/2034 03/15/2020 Citywide Capital Trust III 6,438 2.80% over LIBOR 4.74 12/19/2033 04/23/2020 Citywide Capital Trust IV 4,296 2.20% over LIBOR 4.11 09/30/2034 05/23/2020 Citywide Capital Trust V 11,748 1.54% over LIBOR 3.43 07/25/2036 03/15/2020 OCGI Statutory Trust III 2,996 3.65% over LIBOR 5.48 (6) 09/30/2032 03/30/2020 OCGI Capital Trust IV 5,342 2.50% over LIBOR 4.39 (7) 12/15/2034 03/15/2020 BVBC Capital Trust II 7,197 3.25% over LIBOR 5.16 04/24/2033 04/24/2020 BVBC Capital Trust III 9,047 1.60% over LIBOR 3.54 09/30/2035 03/30/2020 Total trust preferred offerings 145,433 Less: deferred issuance costs (90) $ 145,343 (1) Effective weighted average interest rate as of December 31, 2019, was 4.80% due to interest rate swap transactions as discussed in Note 12 to Heartland's consolidated financial statements. (2) Effective interest rate as of December 31, 2019, was 5.01% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (3) Effective interest rate as of December 31, 2019, was 4.69% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (4) Effective interest rate as of December 31, 2019, was 3.87% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (5) Effective interest rate as of December 31, 2019, was 3.83% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (6) Effective interest rate as of December 31, 2019, was 5.53% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements. (7) Effective interest rate as of December 31, 2019, was 4.37% due to an interest rate swap transaction as discussed in Note 12 to Heartland's consolidated financial statements.
Schedule of Future Payments of Other Borrowings	Future payments at December 31, 2019, for other borrowings follow in the table below, in thousands. FHLB advances, wholesale repurchase agreements, convertible debt and subordinated debt are included in the table at their call date. 2020 $ 8,705 2021 24,682 2022 4,657 2023 3,037 2024 77,437 Thereafter 157,255 Total $ 275,773

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Balance Sheet Category and Fair Value of Derivative Instruments Designated as Cash Flow Hedges	The table below identifies the balance sheet category and fair values of Heartland's derivative instruments designated as cash flow hedges at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category Receive Rate Weighted Average Pay Rate Maturity December 31, 2019 Interest rate swap $ 25,000 $ (167) Other Liabilities 1.900 % 2.255 % 03/17/2021 Interest rate swap 20,000 (67) Other Liabilities 2.043 3.355 01/07/2020 Interest rate swap 25,667 135 Other Assets 4.215 3.674 05/10/2021 Interest rate swap 25,750 (1,384) Other Liabilities 4.280 5.425 07/24/2028 Interest rate swap 20,000 (614) Other Liabilities 1.894 2.390 06/15/2024 Interest rate swap 20,000 (561) Other Liabilities 1.907 2.352 03/01/2024 Interest rate swap 6,000 (15) Other Liabilities 1.894 1.866 06/15/2021 Interest rate swap 3,000 (9) Other Liabilities 1.831 1.878 06/30/2021 December 31, 2018 Interest rate swap $ 25,000 $ 191 Other Assets 2.788 % 2.255 % 03/17/2021 Interest rate swap 20,000 (177) Other Liabilities 2.408 3.355 01/07/2020 Interest rate swap 10,000 29 Other Assets 2.822 1.674 03/26/2019 Interest rate swap 10,000 28 Other Assets 2.788 1.658 03/18/2019 Interest rate swap 29,667 763 Other Assets 4.887 3.674 05/10/2021 Interest rate swap 28,750 (572) Other Liabilities 5.004 5.425 07/24/2028 Interest rate swap 20,000 157 Other Assets 2.788 2.390 06/15/2024 Interest rate swap 20,000 185 Other Assets 2.738 2.352 03/01/2024 Interest rate swap 6,000 105 Other Assets 2.788 1.866 06/15/2021 Interest rate swap 3,000 51 Other Assets 2.787 1.878 06/30/2021 Notional Amount Fair Value Balance Sheet Category Weighted Average Receive Rate Weighted Average Pay Rate December 31, 2019 Customer interest rate swaps $ 374,191 $ 16,927 Other Assets 4.68 % 4.05 % Customer interest rate swaps 374,191 (16,927) Other Liabilities 4.05 % 4.68 % December 31, 2018 Customer interest rate swaps $ 211,246 $ 4,449 Other Assets 5.10 % 4.96 % Customer interest rate swaps 211,246 (4,449) Other Liabilities 4.96 % 5.10 %
Gains and Losses Recognized on Derivative Instruments Designated as Cash Flow Hedges	The table below identifies the gains and losses recognized on Heartland's derivative instruments designated as cash flow hedges for the years ended December 31, 2019, and December 31, 2018, in thousands: Effective Portion Ineffective Portion Recognized in OCI Reclassified from AOCI into Income Recognized in Income on Derivatives Amount of Gain (Loss) Category Amount of Gain (Loss) Category Amount of Gain (Loss) December 31, 2019 Interest rate swap $ (3,442) Interest expense $ (197) Other income $ — December 31, 2018 Interest rate swap $ 995 Interest Expense $ (179) Other Income $ —
Balance Sheet Category and Fair Values of Embedded Derivatives	The table below identifies the notional amount, fair value and balance sheet category of Heartland's fair value hedges at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category December 31, 2019 Fair value hedges $ — $ — Other assets Fair value hedges $ 21,250 $ (1,253) Other liabilities December 31, 2018 Fair value hedges $ 19,820 $ 74 Other assets Fair value hedges 15,064 (339) Other liabilities The table below identifies the gains and losses recognized on Heartland's fair value hedges for the years ended December 31, 2019, and December 31, 2018, in thousands: Amount of Gain (Loss) Income Statement Category December 31, 2019 Fair value hedges $ (988) Interest income December 31, 2018 Fair value hedges $ 734 Interest income Notional Amount Fair Value Balance Sheet Category December 31, 2019 Embedded derivatives $ 9,627 $ 465 Other assets Embedded derivatives $ — $ — Other liabilities December 31, 2018 Embedded derivatives $ 11,266 $ 453 Other assets Embedded derivatives 2,231 (54) Other liabilities The table below identifies the gains and losses recognized on Heartland's embedded derivatives for the years ended December 31, 2019 and December 31, 2018, in thousands: Amount of Gain (Loss) Income Statement Category December 31, 2019 Embedded derivatives $ 66 Other noninterest income December 31, 2018 Embedded derivatives $ 339 Other noninterest income
Balance Sheet Category and Fair Values of Derivative Instruments Not Designated as Hedging Instruments	The table below identifies the balance sheet category and fair values of Heartland's other free standing derivative instruments not designated as hedging instruments at December 31, 2019, and December 31, 2018, in thousands: Notional Amount Fair Value Balance Sheet Category December 31, 2019 Interest rate lock commitments (mortgage) $ 20,356 $ 681 Other Assets Forward commitments 16,000 15 Other Assets Forward commitments 36,500 (113) Other Liabilities Undesignated interest rate swaps 9,627 (465) Other Liabilities Undesignated interest rate swaps — — Other Assets December 31, 2018 Interest rate lock commitments (mortgage) $ 22,451 $ 725 Other Assets Forward commitments — — Other Assets Forward commitments 51,500 (399) Other Liabilities Undesignated interest rate swaps 11,266 (453) Other Liabilities Undesignated interest rate swaps 2,231 54 Other Assets The table below identifies the income statement category of the gains and losses recognized in income on Heartland's other free standing derivative instruments not designated as hedging instruments for the years ended December 31, 2019, and December 31, 2018, in thousands: Income Statement Category Year-to-Date Gain (Loss) Recognized December 31, 2019 Interest rate lock commitments (mortgage) Net gains on sale of loans held for sale $ 18 Forward commitments Net gains on sale of loans held for sale 15 Forward commitments Net gains on sale of loans held for sale 287 Undesignated interest rate swaps Other noninterest income (66) December 31, 2018 Interest rate lock commitments (mortgage) Net gains on sale of loans held for sale $ (3,269) Forward commitments Net gains on sale of loans held for sale (170) Forward commitments Net gains on sale of loans held for sale (161) Undesignated interest rate swaps Other noninterest income 339

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense	The components of the provision for income taxes for the years ended December 31, 2019, 2018, and 2017 were as follows, in thousands: 2019 2018 2017 Current: Federal $ 24,106 $ 16,769 $ 25,532 State 11,298 8,686 5,025 Total current expense $ 35,404 $ 25,455 $ 30,557 Deferred: Federal $ 760 $ 2,615 $ 12,370 State (1,174) 145 893 Total deferred expense (benefit) $ (414) $ 2,760 $ 13,263 Total income tax expense $ 34,990 $ 28,215 $ 43,820
Schedule of Deferred Tax Assets and Liabilities	Deferred tax assets and liabilities at December 31, 2019 and 2018, were as follows, in thousands: 2019 2018 Deferred tax assets: Tax effect of net unrealized loss on securities carried at fair value reflected in stockholders’ equity $ — $ 11,148 Tax effect of net unrealized loss on derivatives reflected in stockholders’ equity 563 — Allowance for loan losses 17,686 16,682 Deferred compensation 8,071 7,042 Organization and acquisitions costs 337 319 Net operating loss carryforwards 18,459 14,495 Non-accrual loan interest 853 863 OREO write-downs 921 1,469 Tax credit projects 4,252 5,254 Other 2,643 1,961 Gross deferred tax assets 53,785 59,233 Valuation allowance (12,379) (12,125) Gross deferred tax assets $ 41,406 $ 47,108 Deferred tax liabilities: Tax effect of net unrealized gain on securities carried at fair value reflected in stockholders’ equity $ (279) $ — Tax effect of net unrealized gain on derivatives reflected in stockholders’ equity — (160) Securities (4,240) (2,332) Premises, furniture and equipment (6,232) (6,514) Tax bad debt reserves (422) (427) Purchase accounting (7,824) (6,339) Prepaid expenses (2,176) (203) Servicing rights (1,421) (7,933) Deferred loan fees (3,342) (3,321) Other (1,870) (380) Gross deferred tax liabilities $ (27,806) $ (27,609) Net deferred tax asset $ 13,600 $ 19,499
Schedule of Effective Income Tax Rate Reconciliation	The actual income tax expense from continuing operations differs from the expected amounts for the years ended December 31, 2019, 2018, and 2017, (computed by applying the U.S. federal corporate tax rate of 21% for 2019 and 2018 income before income taxes and 35% for 2017 income before income taxes) are as follows, in thousands: 2019 2018 2017 Computed "expected" tax on net income $ 38,665 $ 30,495 $ 41,682 Increase (decrease) resulting from: Nontaxable interest income (3,281) (4,423) (9,282) State income taxes, net of federal tax benefit 8,509 6,976 3,846 Tax credits (6,860) (4,085) (2,390) Valuation allowance (1,648) 23 405 Excess tax benefit on stock compensation (229) (657) (1,130) Deferred tax adjustment due to Tax Cuts and Jobs Act enactment — — 10,396 Other (166) (114) 293 Income taxes $ 34,990 $ 28,215 $ 43,820 Effective tax rates 19.0 % 19.4 % 36.8 %

Stock-based Compensation (Table

Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Schedule of Stock Options Activity	A summary of the status of Heartland's common stock options as of December 31, 2019, 2018 and 2017, and changes during the years ended December 31, 2019, 2018 and 2017, follows: 2019 2018 2017 Shares Weighted-Average Exercise Price Shares Weighted-Average Exercise Price Shares Weighted-Average Exercise Price Outstanding at January 1 — $ — 6,500 $ 18.60 26,400 $ 18.60 Granted — — — — — — Exercised — — (6,500) 18.60 (19,400) 18.60 Forfeited — — — — (500) 18.60 Outstanding at December 31 — $ — — $ — 6,500 $ 18.60 Options exercisable at December 31 — $ — — $ — 6,500 $ 18.60
Summary of Status of RSUs	A summary of the status of RSUs as of December 31, 2019, 2018 and 2017, and changes during the years ended December 31, 2019, 2018, and 2017, follows: 2019 2018 2017 Shares Weighted-Average Grant Date Fair Value Shares Weighted-Average Grant Date Fair Value Shares Weighted-Average Grant Date Fair Value Outstanding at January 1 266,995 $ 43.89 301,578 $ 34.74 346,817 $ 27.61 Granted 162,465 45.09 123,711 55.13 109,373 47.22 Vested (148,158) 39.27 (127,744) 32.73 (137,394) 26.66 Forfeited (26,919) 49.20 (30,550) 45.69 (17,218) 34.02 Outstanding at December 31 254,383 $ 46.76 266,995 $ 43.89 301,578 $ 34.74

Regulatory Capital Requiremen_2

Regulatory Capital Requirements and Restrictions on Subsidiary Dividends (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Schedule of Actual Capital Amounts and Ratios	The Heartland banks’ actual capital amounts and ratios are also presented in the tables below, in thousands: Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2019 Total Capital (to Risk-Weighted Assets) Consolidated $ 1,388,511 13.75 % $ 807,881 8.00 % N/A Dubuque Bank and Trust Company 168,959 14.55 92,872 8.00 $ 116,090 10.00 % Illinois Bank & Trust 107,678 10.54 81,731 8.00 102,164 10.00 Wisconsin Bank & Trust 117,355 14.13 66,431 8.00 83,039 10.00 New Mexico Bank & Trust 157,555 12.33 102,193 8.00 127,741 10.00 Arizona Bank & Trust 75,498 11.19 53,982 8.00 67,477 10.00 Rocky Mountain Bank 53,266 13.80 30,868 8.00 38,585 10.00 Citywide Banks 240,735 13.88 138,704 8.00 173,380 10.00 Minnesota Bank & Trust 76,400 13.50 45,260 8.00 56,575 10.00 Bank of Blue Valley 145,256 14.50 80,153 8.00 100,191 10.00 Premier Valley Bank 91,257 13.21 55,273 8.00 69,091 10.00 First Bank & Trust 109,545 14.11 62,128 — 8.00 77,660 10.00 Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2019 Tier 1 Capital (to Risk-Weighted Assets) Consolidated $ 1,243,582 12.31 % $ 605,911 6.00 % N/A Dubuque Bank and Trust Company 159,579 13.75 69,654 6.00 $ 92,872 8.00 % Illinois Bank & Trust 103,011 10.08 61,298 6.00 81,731 8.00 Wisconsin Bank & Trust 109,939 13.24 49,824 6.00 66,431 8.00 New Mexico Bank & Trust 148,227 11.60 76,645 6.00 102,193 8.00 Arizona Bank & Trust 69,648 10.32 40,486 6.00 53,982 8.00 Rocky Mountain Bank 48,692 12.62 23,151 6.00 30,868 8.00 Citywide Banks 231,085 13.33 104,028 6.00 138,704 8.00 Minnesota Bank & Trust 70,235 12.41 33,945 6.00 45,260 8.00 Bank of Blue Valley 140,195 13.99 60,115 6.00 80,153 8.00 Premier Valley Bank 87,335 12.64 41,455 6.00 55,273 8.00 First Bank & Trust 104,914 13.51 46,596 6.00 62,128 8.00 Common Equity Tier 1 (to Risk-Weighted Assets) Consolidated $ 1,098,428 10.88 % $ 454,433 4.50 % N/A Dubuque Bank and Trust Company 159,579 13.75 52,241 4.50 $ 75,459 6.50 % Illinois Bank & Trust 103,011 10.08 45,974 4.50 66,407 6.50 Wisconsin Bank & Trust 109,939 13.24 37,368 4.50 53,976 6.50 New Mexico Bank & Trust 148,227 11.60 57,484 4.50 83,032 6.50 Arizona Bank & Trust 69,648 10.32 30,365 4.50 43,860 6.50 Rocky Mountain Bank 48,692 12.62 17,363 4.50 25,080 6.50 Citywide Banks 231,085 13.33 78,021 4.50 112,697 6.50 Minnesota Bank & Trust 70,235 12.41 25,459 4.50 36,774 6.50 Bank of Blue Valley 140,195 13.99 45,086 4.50 65,124 6.50 Premier Valley Bank 87,335 12.64 31,091 4.50 44,909 6.50 First Bank & Trust 104,914 13.51 34,947 — 4.50 50,479 6.50 Tier 1 Capital (to Average Assets) Consolidated $ 1,243,582 10.10 % $ 492,725 4.00 % N/A Dubuque Bank and Trust Company 159,579 9.83 64,961 4.00 $ 81,202 5.00 % Illinois Bank & Trust 103,011 10.26 40,144 4.00 50,180 5.00 Wisconsin Bank & Trust 109,939 10.76 40,863 4.00 51,078 5.00 New Mexico Bank & Trust 148,227 9.11 65,076 4.00 81,345 5.00 Arizona Bank & Trust 69,648 9.87 28,235 4.00 35,293 5.00 Rocky Mountain Bank 48,692 9.22 21,132 4.00 26,415 5.00 Citywide Banks 231,085 10.66 86,732 4.00 108,416 5.00 Minnesota Bank & Trust 70,235 10.51 26,740 4.00 33,426 5.00 Bank of Blue Valley 140,195 11.07 50,638 4.00 63,297 5.00 Premier Valley Bank 87,335 10.43 33,487 4.00 41,859 5.00 First Bank & Trust 104,914 10.25 40,941 4.00 51,177 5.00 Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to Risk-Weighted Assets) Consolidated $ 1,200,947 13.72 % $ 700,490 8.00 % N/A Dubuque Bank and Trust Company 165,687 14.10 93,975 8.00 $ 117,469 10.00 % Illinois Bank & Trust 74,657 13.02 45,884 8.00 57,355 10.00 Wisconsin Bank & Trust 115,318 13.90 66,351 8.00 82,939 10.00 New Mexico Bank & Trust 150,261 12.92 93,063 8.00 116,328 10.00 Arizona Bank & Trust 63,606 11.90 42,766 8.00 53,458 10.00 Rocky Mountain Bank 51,982 14.26 29,160 8.00 36,449 10.00 Citywide Banks 235,691 13.46 140,117 8.00 175,146 10.00 Minnesota Bank & Trust 69,002 12.99 42,493 8.00 53,117 10.00 Bank of Blue Valley (1) 72,520 16.14 35,937 8.00 44,922 10.00 Premier Valley Bank 85,710 13.71 50,017 8.00 62,521 10.00 First Bank & Trust 102,795 13.48 61,004 8.00 76,255 10.00 Tier 1 Capital (to Risk-Weighted Assets) Consolidated $ 1,064,669 12.16 % $ 525,368 6.00 % N/A Dubuque Bank and Trust Company 155,391 13.23 70,482 6.00 $ 93,975 8.00 % Illinois Bank & Trust 70,470 12.29 34,413 6.00 45,884 8.00 Wisconsin Bank & Trust 108,193 13.04 49,763 6.00 66,351 8.00 New Mexico Bank & Trust 141,161 12.13 69,797 6.00 93,063 8.00 Arizona Bank & Trust 59,993 11.22 32,075 6.00 42,766 8.00 Rocky Mountain Bank 48,428 13.29 21,870 6.00 29,160 8.00 Citywide Banks 226,645 12.94 105,088 6.00 140,117 8.00 Minnesota Bank & Trust 63,633 11.98 31,870 6.00 42,493 8.00 Bank of Blue Valley (1) 67,975 15.13 26,953 6.00 35,937 8.00 Premier Valley Bank 82,321 13.17 37,513 6.00 50,017 8.00 First Bank & Trust 100,884 13.23 45,753 6.00 61,004 8.00 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 933,755 10.66 % $ 394,026 4.50 % N/A Dubuque Bank and Trust Company 155,391 13.23 52,861 4.50 $ 76,355 6.50 % Illinois Bank & Trust 70,470 12.29 25,810 4.50 37,281 6.50 Wisconsin Bank & Trust 108,193 13.04 37,323 4.50 53,910 6.50 New Mexico Bank & Trust 141,161 12.13 52,348 4.50 75,613 6.50 Arizona Bank & Trust 59,993 11.22 24,056 4.50 34,748 6.50 Rocky Mountain Bank 48,428 13.29 16,402 4.50 23,692 6.50 Citywide Banks 226,645 12.94 78,816 4.50 113,845 6.50 Minnesota Bank & Trust 63,633 11.98 23,903 4.50 34,526 6.50 Bank of Blue Valley (1) 67,975 15.13 20,215 4.50 29,199 6.50 Premier Valley Bank 82,321 13.17 28,134 4.50 40,639 6.50 First Bank & Trust 100,884 13.23 34,315 4.50 49,566 6.5 Tier 1 Capital (to Average Assets) Consolidated $ 1,064,669 9.73 % $ 437,858 4.00 % N/A Dubuque Bank and Trust Company 155,391 9.97 62,317 4.00 $ 77,897 5.00 % Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Illinois Bank & Trust 70,470 8.56 32,941 4.00 41,177 5.00 Wisconsin Bank & Trust 108,193 10.47 41,317 4.00 51,647 5.00 New Mexico Bank & Trust 141,161 9.58 58,958 4.00 73,697 5.00 Arizona Bank & Trust 59,993 9.20 26,089 4.00 32,611 5.00 Rocky Mountain Bank 48,428 9.82 19,730 4.00 24,662 5.00 Citywide Banks 226,645 10.53 86,129 4.00 107,662 5.00 Minnesota Bank & Trust 63,633 10.00 25,445 4.00 31,806 5.00 Bank of Blue Valley (1) 67,975 11.31 24,041 4.00 30,052 5.00 Premier Valley Bank 82,321 10.53 31,285 4.00 39,106 5.00 First Bank & Trust 100,884 10.13 39,846 4.00 49,807 5.00 (1) Morrill & Janes Bank and Trust Company changed its name to Bank of Blue Valley upon the acquisition of Blue Valley Ban Corp. on May 10, 2019.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	The table below presents Heartland's assets and liabilities that are measured at fair value on a recurring basis as of December 31, 2019, and December 31, 2018, in thousands, aggregated by the level in the fair value hierarchy within which those measurements fall: Total Fair Value Level 1 Level 2 Level 3 December 31, 2019 Assets Securities available for sale U.S. government corporations and agencies $ 9,893 $ 8,503 $ 1,390 $ — Mortgage and asset-backed securities 2,577,278 — 2,577,278 — Obligations of states and political subdivisions 707,190 — 707,190 — Equity securities with a readily determinable fair value 18,435 — 18,435 — Derivative financial instruments (1) 17,527 — 17,527 — Interest rate lock commitments 681 — — 681 Forward commitments 15 — 15 — Total assets at fair value $ 3,331,019 $ 8,503 $ 3,321,835 $ 681 Liabilities Derivative financial instruments (2) $ 21,462 $ — $ 21,462 $ — Forward commitments 113 — 113 — Total liabilities at fair value $ 21,575 $ — $ 21,575 $ — December 31, 2018 Assets Securities available for sale U.S. government corporations and agencies $ 31,951 $ 25,414 $ 6,537 $ — Mortgage-backed securities 2,026,698 — 2,026,698 — Obligations of states and political subdivisions 374,974 — 374,974 — Equity securities 17,086 — 17,086 — Derivative financial instruments (1) 6,539 — 6,539 — Interest rate lock commitments 725 — — 725 Forward commitments — — — — Total assets at fair value $ 2,457,973 $ 25,414 $ 2,431,834 $ 725 Liabilities Derivative financial instruments (2) $ 6,044 $ — $ 6,044 $ — Forward commitments 399 — 399 — Total liabilities at fair value $ 6,443 $ — $ 6,443 $ — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments.
Fair Value Measurements, Nonrecurring	The tables below present Heartland's assets that are measured at fair value on a nonrecurring basis, in thousands: Fair Value Measurements at December 31, 2019 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (Gains)/Losses Collateral dependent impaired loans: Commercial $ 15,173 $ — $ — $ 15,173 $ 1,114 Commercial real estate 4,592 — — 4,592 72 Agricultural and agricultural real estate 12,623 — — 12,623 1,254 Residential real estate 3,088 — — 3,088 10 Consumer 988 — — 988 — Total collateral dependent impaired loans $ 36,464 $ — $ — $ 36,464 $ 2,450 Loans held for sale $ 26,748 $ — $ 26,748 $ — $ (980) Other real estate owned $ 6,914 $ — $ — $ 6,914 $ 947 Premises, furniture and equipment held for sale $ 2,967 $ — $ — $ 2,967 $ 735 Servicing rights $ 5,621 $ — $ — $ 5,621 $ 911 Fair Value Measurements at December 31, 2018 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (Gains)/Losses Collateral dependent impaired loans: Commercial $ 12,932 $ — $ — $ 12,932 $ 660 Commercial real estate 405 — — 405 72 Agricultural and agricultural real estate 11,070 — — 11,070 575 Residential real estate 478 — — 478 — Consumer 624 — — 624 — Total collateral dependent impaired loans $ 25,509 $ — $ — $ 25,509 $ 1,307 Loans held for sale $ 119,801 $ — $ 52,577 $ 67,224 $ (1,870) Other real estate owned $ 6,153 $ — $ — $ 6,153 $ 2,647 Premises, furniture and equipment held for sale $ 7,258 $ — $ — $ 7,258 $ 59 Servicing rights $ 7,143 $ — $ — $ 7,143 $ 58
Quantitative Information on Assets Measured at Fair Value on Recurring and Nonrecurring Basis Using Level 3	The following tables present additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which Heartland has utilized Level 3 inputs to determine fair value, in thousands: Fair Value at 12/31/19 Valuation Technique Unobservable Input Range (Weighted Average) Interest rate lock $ 681 Discounted cash flows Closing ratio 0 - 99% (90%) (1) Premises, furniture and equipment held for sale 2,967 Modified appraised value Third party appraisal (2) Appraisal discount 0-10% (3) Other real estate owned 6,914 Modified appraised value Third party appraisal (2) Appraisal discounts 0-10% (3) Servicing rights 5,621 Discounted cash flows Third party valuation (4) Collateral dependent impaired loans: Commercial 15,173 Modified appraised value Third party appraisal (2) Appraisal discount 0-25% (3) Commercial real estate 4,592 Modified appraised value Third party appraisal (2) Appraisal discount 0-14% (3) Agricultural and agricultural real estate 12,623 Modified appraised value Third party appraisal (2) Appraisal discount 0-15% (3) Residential real estate 3,088 Modified appraised value Third party appraisal (2) Appraisal discount 0-25% (3) Consumer 988 Modified appraised value Third party valuation (2) Valuation discount 0-10% (3) (1) The significant unobservable input used in the fair value measurement is the closing ratio, which represents the percentage of loans currently in a lock position which management estimates will ultimately close. The closing ratio calculation takes into consideration historical data and loan-level data. (2) Third party appraisals are obtained and updated at least annually to establish the value of the underlying asset, but the disclosure of the unobservable inputs used by the appraisers would not be meaningful because the range will vary widely from appraisal to appraisal. (3) Discounts applied to the appraised values primarily include estimated sales costs, but also consider the age of the appraisal, changes in local market conditions and changes in the current condition of the collateral. (4) The significant unobservable input used in the fair value measurement are the value indices, which are weighted-average spreads to LIBOR based on maturity groups. Fair Value at 12/31/18 Valuation Technique Unobservable Input Range (Weighted Average) Loans available for sale $ 67,224 Discounted cash flows Sales contract (1) Interest rate lock commitments 725 Discounted cash flows Closing ratio 0 - 99% (91%) (2) Premises, furniture and equipment held for sale 7,258 Modified appraised value Third party appraisal (3) Appraisal discount 0-10% (5) Other real estate owned 6,153 Modified appraised value Third party appraisal (3) Appraisal discounts 0-10% (5) Servicing rights 7,143 Discounted cash flows Third party valuation (4) Collateral dependent impaired loans: Commercial 12,932 Modified appraised value Third party appraisal (3) Appraisal discount 0-8% (5) Commercial real estate 405 Modified appraised value Third party appraisal (3) Appraisal discount 0-19% (5) Agricultural and agricultural real estate 11,070 Modified appraised value Third party appraisal (3) Appraisal discount 0-24% (5) Residential real estate 478 Modified appraised value Third party appraisal (3) Appraisal discount 0-24% (5) Consumer 624 Modified appraised value Third party valuation (3) Valuation discount 0-14% (5) (1) The significant unobservable input related to the loans held for sale was the third party sales contract Heartland entered into prior to December 31, 2018. The sale of these consumer loans closed on January 11, 2019. (2) The significant unobservable input used in the fair value measurement is the closing ratio, which represents the percentage of loans currently in a lock position which management estimates will ultimately close. The closing ratio calculation takes into consideration historical data and loan-level data. (3) Third party appraisals are obtained and updated at least annually to establish the value of the underlying asset, but the disclosure of the unobservable inputs used by the appraisers would not be meaningful because the range will vary widely from appraisal to appraisal. (4) The significant unobservable input used in the fair value measurement are the value indices, which are weighted-average spreads to LIBOR based on maturity groups. (5) Discounts applied to the appraised values primarily include estimated sales costs, but also consider the age of the appraisal, changes in local market conditions and changes in the current condition of the collateral.
Summary of Changes in Fair Value of Level 3 Assets Measured at Fair Value on Recurring Basis	The changes in fair value of the interest rate lock commitments, which are Level 3 financial instruments and are measured on a recurring basis, are summarized in the following table, in thousands: (1) For the Years Ended December 31, 2019 December 31, 2018 Balance at January 1, $ 725 $ 1,738 Acquired interest rate lock commitments — 1,383 Total gains (losses), net, included in earnings 18 (3,269) Issuances 10,702 2,962 Settlements (10,764) (2,089) Balance at period end, $ 681 $ 725
Fair Value, by Balance Sheet Grouping	The following analysis, which is inherently limited in depicting fair value, also does not consider any value associated with either existing customer relationships or the ability of Heartland to create value through loan origination, obtaining deposits or fee generating activities. Many of the estimates presented below are based upon the use of highly subjective information and assumptions and, accordingly, the results may not be precise. Management believes that fair value estimates may not be comparable between financial institutions due to the wide range of permitted valuation techniques and numerous estimates which must be made. Furthermore, because the disclosed fair value amounts were estimated as of the balance sheet date, the amounts actually realized or paid upon maturity or settlement of the various financial instruments could be significantly different. Fair Value Measurements at Carrying Estimated Quoted Prices in Significant Other Significant Financial assets: Cash and cash equivalents $ 378,734 $ 378,734 $ 378,734 $ — $ — Time deposits in other financial institutions 3,564 3,564 3,564 — — Securities: Carried at fair value 3,312,796 3,312,796 8,503 3,304,293 — Held to maturity 91,324 100,484 — 100,484 — Other investments 31,321 31,321 — 31,321 — Loans held for sale 26,748 26,748 — 26,748 — Loans, net: Commercial 2,390,254 2,343,079 — 2,327,906 15,173 Commercial real estate 4,336,355 4,333,012 — 4,328,420 4,592 Agricultural and agricultural real estate 528,195 528,657 — 516,034 12,623 Residential real estate 595,331 588,182 — 585,094 3,088 Consumer 447,387 450,413 — 449,425 988 Total Loans, net 8,297,522 8,243,343 — 8,206,879 36,464 Cash surrender value on life insurance 171,625 171,625 — 171,625 — Derivative financial instruments (1) 17,527 17,527 — 17,527 — Interest rate lock commitments 681 681 — — 681 Forward commitments — 15 — 15 — Financial liabilities: Deposits Demand deposits 3,543,863 3,543,863 — 3,543,863 — Savings deposits 6,307,425 6,307,425 — 6,307,425 — Time deposits 1,193,043 1,193,043 — 1,193,043 — Short term borrowings 182,626 182,626 — 182,626 — Other borrowings 275,773 278,169 — 278,169 — Derivative financial instruments (2) 21,462 21,462 — 21,462 — Forward commitments 113 113 — 113 — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments. Fair Value Measurements at Carrying Estimated Quoted Prices in Significant Other Significant Financial assets: Cash and cash equivalents $ 273,630 $ 273,630 $ 273,630 $ — $ — Time deposits in other financial institutions 4,672 4,672 4,672 — — Securities: Carried at fair value 2,450,709 2,450,709 25,414 2,425,295 — Held to maturity 236,283 245,341 — 245,341 — Other investments 28,396 28,396 — 28,396 — Loans held for sale 119,801 119,801 — 52,577 67,224 Loans, net: Commercial 1,994,785 1,955,607 — 1,942,675 12,932 Commercial real estate 3,684,213 3,667,138 — 3,666,733 405 Agricultural and agricultural real estate 561,265 553,112 — 542,042 11,070 Residential real estate 670,473 654,596 — 654,118 478 Consumer 434,998 432,016 — 431,392 624 Total Loans, net 7,345,734 7,262,469 — 7,236,960 25,509 Cash surrender value on life insurance 162,892 162,892 — 162,892 — Derivative financial instruments (1) 6,539 6,539 — 6,539 — Interest rate lock commitments 725 725 — — 725 Forward commitments — — — — — Financial liabilities: Deposits Demand deposits 3,264,737 3,264,737 — 3,264,737 — Savings deposits 5,107,962 5,107,962 — 5,107,962 — Time deposits 1,023,730 1,023,730 — 1,023,730 — Deposits held for sale 106,409 100,241 — — 100,241 Short term borrowings 227,010 227,010 — 227,010 — Other borrowings 274,905 276,966 — 276,966 — Derivative financial instruments (2) 6,044 6,044 — 6,044 — Forward commitments 399 399 — 399 — (1) Includes embedded derivatives, back-to-back loan swaps, fair value hedges, free standing derivative instruments and cash flow hedges. (2) Includes cash flow hedges, fair value hedges, back-to-back loan swaps, embedded derivatives and free standing derivative instruments.

Revenue (Tables)

Revenue (Tables)	12 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Schedule of noninterest income in-scope and out-of-scope of Topic 606	The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the year ended December 31, 2019, 2018, and 2017, in thousands: For the Years Ended December 31, 2019 2018 2017 In-scope of Topic 606 Service charges and fees Service charges and fees on deposit accounts $ 12,790 $ 11,291 $ 9,570 Overdraft fees 11,543 10,796 9,365 Customer service fees 331 330 296 Credit card fee income 15,594 11,893 7,968 Debit card income 11,899 14,396 11,984 Total service charges and fees 52,157 48,706 39,183 Trust fees 19,399 18,393 15,818 Brokerage and insurance commissions 3,786 4,513 4,033 Total noninterest income in-scope of Topic 606 $ 75,342 $ 71,612 $ 59,034 Out-of-scope of Topic 606 Loan servicing income $ 4,843 $ 7,292 $ 5,636 Securities gains, net 7,659 1,085 6,973 Unrealized gain on equity securities, net 525 212 — Net gains on sale of loans held for sale 15,555 21,450 22,251 Valuation adjustment on servicing rights (911) (46) 21 Income on bank owned life insurance 3,785 2,793 2,772 Other noninterest income 9,410 4,762 5,335 Total noninterest income out-of-scope of Topic 606 40,866 37,548 42,988 Total noninterest income $ 116,208 $ 109,160 $ 102,022

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Schedule of Condensed Balance Sheets	Condensed financial information for Heartland Financial USA, Inc. is as follows: BALANCE SHEETS (Dollars in thousands) December 31, 2019 2018 Assets: Cash and interest bearing deposits $ 61,866 $ 39,666 Investment in subsidiaries 1,765,995 1,538,766 Other assets 49,002 30,321 Due from subsidiaries — 6,000 Total assets $ 1,876,863 $ 1,614,753 Liabilities and stockholders’ equity: Other borrowings $ 271,046 $ 269,553 Accrued expenses and other liabilities 27,680 20,025 Total liabilities 298,726 289,578 Stockholders’ equity: Common stock 36,704 34,477 Capital surplus 839,857 743,095 Retained earnings 702,502 579,252 Accumulated other comprehensive loss (926) (31,649) Total stockholders’ equity 1,578,137 1,325,175 Total liabilities and stockholders’ equity $ 1,876,863 $ 1,614,753
Schedule of Condensed Income Statements	INCOME STATEMENTS (Dollars in thousands) For the Years Ended December 31, 2019 2018 2017 Operating revenues: Dividends from subsidiaries $ 137,000 $ 85,000 $ 70,850 Securities gains, net — — 3,021 Other 893 493 2,292 Total operating revenues 137,893 85,493 76,163 Operating expenses: Interest 15,044 14,371 13,269 Salaries and employee benefits 4,072 3,639 3,146 Professional fees 3,029 2,841 2,379 Other operating expenses 15,559 12,510 7,889 Total operating expenses 37,704 33,361 26,683 Equity in undistributed earnings 34,307 52,570 16,212 Income before income tax benefit 134,496 104,702 65,692 Income tax benefit 14,633 12,296 9,580 Net income 149,129 116,998 75,272 Preferred dividends — (39) (58) Interest expense on convertible preferred debt — — 12 Net income available to common stockholders $ 149,129 $ 116,959 $ 75,226
Schedule of Condensed Statements of Cash Flows	STATEMENTS OF CASH FLOWS (Dollars in thousands) For the Years Ended December 31, 2019 2018 2017 Cash flows from operating activities: Net income $ 149,129 $ 116,998 $ 75,272 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries (34,307) (52,570) (16,212) Security gains, net — — (3,021) Gain on extinguishment of debt (375) — (1,200) Increase (decrease) in accrued expenses and other liabilities 3,274 5,336 (4,160) Increase in other assets (12,248) (1,559) (567) Excess tax benefits from stock based compensation 270 674 1,246 Other, net 4,103 5,401 4,714 Net cash provided by operating activities 109,846 74,280 56,072 Cash flows from investing activities: Capital contributions to subsidiaries (46,583) (30,696) — Repayment of advances from subsidiaries 6,000 — — Proceeds from sales of available for sale securities — — 2,868 Proceeds from sale of other investments — — 211 Net assets acquired (594) (13,504) (62,813) Net cash used by investing activities (41,177) (44,200) (59,734) Cash flows from financing activities: Proceeds on short-term revolving credit line — 25,000 20,000 Proceeds from borrowings — 30,000 — Repayments on short-term revolving credit line — (25,000) (20,000) Repayments of borrowings (20,023) (25,759) (9,016) Payment for the redemption of debt (2,500) — (13,800) Cash dividends paid (24,607) (19,357) (14,557) Purchase of treasury stock — (97) (625) Proceeds from issuance of common stock 661 489 963 Net cash used by financing activities (46,469) (14,724) (37,035) Net increase (decrease) in cash and cash equivalents 22,200 15,356 (40,697) Cash and cash equivalents at beginning of year 39,666 24,310 65,007 Cash and cash equivalents at end of year $ 61,866 $ 39,666 $ 24,310 Supplemental disclosure: Conversion of convertible debt to common stock $ — $ — $ 558 Conversion/redemption of Series D preferred stock to common stock $ — $ 938 $ 419 Stock consideration granted for acquisitions $ 92,258 $ 238,075 $ 175,196

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Schedule of ROU Assets and Lease Liabilities	The table below presents Heartland's ROU assets and lease liabilities as of December 31, 2019, in thousands: Classification December 31, 2019 Operating lease right-of-use assets Other assets $ 23,200 Operating lease liabilities Accrued expenses and other liabilities $ 24,617
Schedule of Lease Costs and Supplemental Information	The table below presents the lease costs and supplemental information as of December 31, 2019, in thousands: Lease Cost Income Statement Category For the Year Ended Operating lease cost Occupancy expense $ 6,031 Variable lease cost Occupancy expense 145 Total lease cost $ 6,176 Supplemental Information Noncash reduction of ROU assets arising from lease modifications Occupancy expense $ 1,771 Noncash reduction lease liabilities arising from lease modifications Occupancy expense $ 1,789 Supplemental balance sheet information As of December 31, 2019 Weighted-average remaining operating lease term (in years) 6.61 Weighted-average discount rate for operating leases 3.00 %
Schedule of Maturity Analysis of Operating Lease Liabilities and Reconciliation of the Undiscounted Cash Flows to the Total of Operating Lease Liabilities	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities as of December 31, 2019 is as follows, in thousands: Year ending December 31, 2020 $ 5,661 2021 5,408 2022 4,076 2023 2,723 2024 2,015 Thereafter 7,300 Total lease payments $ 27,183 Less interest (2,566) Present value of lease liabilities $ 24,617 As defined by Topic 840, Heartland's minimum future rental commitments at December 31, 2018, for all non-cancelable leases were as follows, in thousands: 2019 $ 5,776 2020 5,493 2021 5,102 2022 3,241 2023 2,297 Thereafter 12,419 $ 34,328
Schedule of Future Minimum Rental Payments for Operating Leases	LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, Heartland adopted ASU 2016-02 "Leases" (Topic 842) and all subsequent ASUs that modified Topic 842. For Heartland, Topic 842 primarily affected the accounting treatment for operating lease agreements in which Heartland is the lessee. Lessee Accounting Substantially all of the leases in which Heartland is the lessee are comprised of real estate property for branches, ATM locations, and office space with terms extending through 2031. All of Heartland's leases are classified as operating leases, and therefore, were previously not recognized on the consolidated balance sheets. With the adoption of Topic 842, operating lease agreements are required to be recognized on the consolidated balance sheets as a right-of-use ("ROU") asset and a corresponding lease liability. Heartland elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the consolidated balance sheets. The table below presents Heartland's ROU assets and lease liabilities as of December 31, 2019, in thousands: Classification December 31, 2019 Operating lease right-of-use assets Other assets $ 23,200 Operating lease liabilities Accrued expenses and other liabilities $ 24,617 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. Heartland’s lease agreements often include one or more options to renew at Heartland’s discretion. If at lease inception, Heartland considers the exercising of a renewal option to be reasonably certain, Heartland will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, Heartland utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate for the remaining lease term as of January 1, 2019, was used. The variable lease cost primarily represents variable payments such as common area maintenance and utilities. The table below presents the lease costs and supplemental information as of December 31, 2019, in thousands: Lease Cost Income Statement Category For the Year Ended Operating lease cost Occupancy expense $ 6,031 Variable lease cost Occupancy expense 145 Total lease cost $ 6,176 Supplemental Information Noncash reduction of ROU assets arising from lease modifications Occupancy expense $ 1,771 Noncash reduction lease liabilities arising from lease modifications Occupancy expense $ 1,789 Supplemental balance sheet information As of December 31, 2019 Weighted-average remaining operating lease term (in years) 6.61 Weighted-average discount rate for operating leases 3.00 % A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total of operating lease liabilities as of December 31, 2019 is as follows, in thousands: Year ending December 31, 2020 $ 5,661 2021 5,408 2022 4,076 2023 2,723 2024 2,015 Thereafter 7,300 Total lease payments $ 27,183 Less interest (2,566) Present value of lease liabilities $ 24,617 As defined by Topic 840, Heartland's minimum future rental commitments at December 31, 2018, for all non-cancelable leases were as follows, in thousands: 2019 $ 5,776 2020 5,493 2021 5,102 2022 3,241 2023 2,297 Thereafter 12,419 $ 34,328

Summary of Quarterly Financia_2

Summary of Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Information (Unaudited)	(Dollars in thousands, except per share data) As of and for the Quarter Ended 2019 December 31 September 30 June 30 March 31 Net interest income $ 112,745 $ 111,321 $ 106,708 $ 102,955 Provision for loan losses 4,903 5,201 4,918 1,635 Net interest income after provision for loan losses 107,842 106,120 101,790 101,320 Noninterest income 28,030 29,400 32,061 26,717 Noninterest expense 92,866 92,967 75,098 88,230 Income taxes 5,155 7,941 13,584 8,310 Net income 37,851 34,612 45,169 31,497 Net income available to common stockholders $ 37,851 $ 34,612 $ 45,169 $ 31,497 Per share: Earnings per share-basic $ 1.03 $ 0.94 $ 1.26 $ 0.91 Earnings per share-diluted 1.03 0.94 1.26 0.91 Cash dividends declared on common stock 0.18 0.18 0.16 0.16 Book value per common share 43.00 42.62 41.48 39.65 Weighted average common shares outstanding 36,758,025 36,692,381 35,743,986 34,564,378 Weighted average diluted common shares outstanding 36,840,519 36,835,191 35,879,259 34,699,839 (Dollars in thousands, except per share data) As of and for the Quarter Ended 2018 December 31 September 30 June 30 March 31 Net interest income $ 110,283 $ 110,678 $ 101,409 $ 91,584 Provision for loan losses 9,681 5,238 4,831 4,263 Net interest income after provision for loan losses 100,602 105,440 96,578 87,321 Noninterest income 27,045 29,765 27,634 24,716 Noninterest expense 88,821 92,539 88,882 83,646 Income taxes 6,685 8,956 7,451 5,123 Net income 32,141 33,710 27,879 23,268 Preferred dividends — (13) (13) (13) Net income available to common stockholders $ 32,141 $ 33,697 $ 27,866 $ 23,255 Per share: Earnings per share-basic $ 0.93 $ 0.98 $ 0.85 $ 0.76 Earnings per share-diluted 0.93 0.97 0.85 0.76 Cash dividends declared on common stock 0.19 0.14 0.13 0.13 Book value per common share 38.44 37.14 36.44 33.81 Weighted average common shares outstanding 34,474,336 34,452,377 32,620,775 30,441,776 Weighted average diluted common shares outstanding 34,670,180 34,644,187 32,830,751 30,645,212

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Trading Securities) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Trading securities	$ 0	$ 0

Summary of Significant Accoun_5

Summary of Significant Accounting Policies (Loans) (Details)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Threshold period past due, nonperforming status of loans and leases	90 days
Period of repayment performance, minimum	6 months

Summary of Significant Accoun_6

Summary of Significant Accounting Policies (Troubled Debt Restructured Loans) (Details)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Threshold period of consecutive payments to remove from nonaccrual status	6 months
Threshold period after modification holding current status to be considered in compliance with modified terms	30 days

Summary of Significant Accoun_7

Summary of Significant Accounting Policies (Mortgage Servicing and Transfers of Financial Assets and Servicing Rights, Net) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Servicing Asset at Amortized Cost [Line Items]
Aggregate unpaid principal balance	$ 616,700	$ 648,900
Mortgage Servicing Rights 15 Year
Servicing Asset at Amortized Cost [Line Items]
Servicing rights, valuation allowance	$ 114	$ 20
Servicing rights, term	15 years	15 years
Mortgage Servicing Rights 30 Year
Servicing Asset at Amortized Cost [Line Items]
Servicing rights, valuation allowance	$ 797	$ 38
Servicing rights, term	30 years	30 years

Summary of Significant Accoun_8

Summary of Significant Accounting Policies (Premises, Furniture and Equipment, net) (Details)	12 Months Ended
	Dec. 31, 2019
Building | Minimum
Property, Plant and Equipment [Line Items]
Useful life	18 years
Building | Maximum
Property, Plant and Equipment [Line Items]
Useful life	39 years
Land Improvements
Property, Plant and Equipment [Line Items]
Useful life	15 years
Furniture and equipment | Minimum
Property, Plant and Equipment [Line Items]
Useful life	3 years
Furniture and equipment | Maximum
Property, Plant and Equipment [Line Items]
Useful life	7 years

Summary of Significant Accoun_9

Summary of Significant Accounting Policies (Core Deposit Intangibles and Customer Relationship Intangibles, Net) (Details)	12 Months Ended
	Dec. 31, 2019
Core Deposit Intangibles | Minimum
Finite-Lived Intangible Assets [Line Items]
Useful life	8 years
Core Deposit Intangibles | Maximum
Finite-Lived Intangible Assets [Line Items]
Useful life	18 years
Customer Relationship Intangible
Finite-Lived Intangible Assets [Line Items]
Useful life	22 years

Summary of Significant Accou_10

Summary of Significant Accounting Policies (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Net income attributable to Heartland	$ 37,851	$ 34,612	$ 45,169	$ 31,497	$ 32,141	$ 33,710	$ 27,879	$ 23,268	$ 149,129	$ 116,998	$ 75,272
Preferred dividends					0	(13)	(13)	(13)	0	(39)	(58)
Interest expense on convertible preferred debt									0	0	12
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 37,851	$ 34,612	$ 45,169	$ 31,497	$ 32,141	$ 33,697	$ 27,866	$ 23,255	$ 149,129	$ 116,959	$ 75,226
Weighted average common shares outstanding for basic earnings per share (in shares)	36,758,025	36,692,381	35,743,986	34,564,378	34,474,336	34,452,377	32,620,775	30,441,776	35,991,000	33,012,000	28,168,000
Assumed incremental common shares issued upon exercise of stock options and non-vested restricted stock units (in shares)									71,000	201,000	258,000
Weighted average common shares for diluted earnings per share (in shares)	36,840,519	36,835,191	35,879,259	34,699,839	34,670,180	34,644,187	32,830,751	30,645,212	36,062,000	33,213,000	28,426,000
Earnings per common share — basic (in dollars per share)	$ 1.03	$ 0.94	$ 1.26	$ 0.91	$ 0.93	$ 0.98	$ 0.85	$ 0.76	$ 4.14	$ 3.54	$ 2.67
Earnings per common share — diluted (in dollars per share)	$ 1.03	$ 0.94	$ 1.26	$ 0.91	$ 0.93	$ 0.97	$ 0.85	$ 0.76	$ 4.14	$ 3.52	$ 2.65

Summary of Significant Accou_11

Summary of Significant Accounting Policies (Effect of New Financial Accounting Standards) (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease right-of-use assets		$ 23,200
Present value of lease liabilities		24,617
Net deferred tax asset		13,600		$ 19,499
Adjustment to retained earnings		702,502		579,252
Increase in allowance		70,395		61,963	$ 55,686	$ 54,324
Reclassification to debt securities available for sale		3,294,361
Reclassification from held to maturity securities		$ (91,324)		$ (236,283)
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease right-of-use assets			$ 25,900
Present value of lease liabilities			27,600
Net deferred tax asset			440
Adjustment to retained earnings			1,300
Accounting Standards Update 2016-13 | Forecast
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross loans established under purchase accounting valuations	$ 1,800,000
Accounting Standards Update 2016-13 | Forecast | Unfunded Loan Commitment | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase in allowance	17,600
Accounting Standards Update 2016-13 | Forecast | Unfunded Loan Commitment | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase in allowance	$ 28,200
Accounting Standards Update 2017-12
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Reclassification to debt securities available for sale			148,000
Reclassification from held to maturity securities			$ 148,000

Acquisitions (Narrative) (Detai

Acquisitions (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	Feb. 11, 2020	Nov. 30, 2019	May 10, 2019	May 18, 2018	Feb. 23, 2018	Dec. 31, 2018	Dec. 31, 2019
Business Acquisition [Line Items]
Assets						$ 11,408,006	$ 13,209,597
Held to maturity						7,407,697	8,367,917
Deposits						9,396,429	11,044,331
Goodwill						391,668	446,345
Balance of nonaccrual loans						71,943	76,548
AIM Bancshares, Inc.
Business Acquisition [Line Items]
Assets							1,780,000
Held to maturity							1,160,000
Deposits							$ 1,540,000
Rockford Bank and Trust Company
Business Acquisition [Line Items]
Assets		$ 495,700
Held to maturity		354,000
Deposits		430,300
Cash payments to acquire business		46,600
Blue Valley Ban Corp.
Business Acquisition [Line Items]
Assets			$ 766,200
Held to maturity			542,000
Deposits			617,100
Signature Bancshares, Inc.
Business Acquisition [Line Items]
Outstanding debt extinguished					$ 5,900
First Bank Lubbock Bancshares, Inc.
Business Acquisition [Line Items]
Held to maturity				$ 681,100
Deposits				893,800
AIM Bancshares, Inc. | Subsequent Event
Business Acquisition [Line Items]
Total consideration paid	$ 280,400
Rockford Bank and Trust Company
Business Acquisition [Line Items]
Goodwill		$ 19,200
Blue Valley Ban Corp.
Business Acquisition [Line Items]
Total consideration paid			$ 92,300
Common stock price (in dollars per share)			$ 44.78
Business acquisition, number of shares issued (in shares)			2,060,258
Outstanding debt extinguished			$ 6,900
Goodwill			35,400
Blue Valley Ban Corp. | Trust preferred securities
Business Acquisition [Line Items]
Trust preferred securities			$ 16,100
Signature Bancshares, Inc.
Business Acquisition [Line Items]
Total consideration paid					$ 61,400
Business acquisition, number of shares issued (in shares)					1,000,843
Cash payments to acquire business					$ 7,800
Assets acquired					427,100
Loans held-to-maturity acquired					324,500
Deposits, assumed					357,300
Goodwill					$ 33,700
First Bank Lubbock Bancshares, Inc.
Business Acquisition [Line Items]
Total consideration paid				$ 189,905
Business acquisition, number of shares issued (in shares)				3,350,664
Outstanding debt extinguished				$ 3,900
Trust preferred securities				12,077
Cash payments to acquire business				5,451
Assets acquired				996,026
Loans held-to-maturity acquired				681,080
Deposits, assumed				893,827
Total assets acquired				1,120,000
Goodwill				121,363
Merger related expenses						1,100
Balance of nonaccrual loans						$ 7,600
First Bank Lubbock Bancshares, Inc. | Stock Appreciation Rights (SARs)
Business Acquisition [Line Items]
Stock appreciation rights expense				13,300
First Bank Lubbock Bancshares, Inc. | Trust preferred securities
Business Acquisition [Line Items]
Trust preferred securities				$ 8,200

Acquisitions (Acquisitions Fair

Acquisitions (Acquisitions Fair Values) (Details) - USD ($) $ in Thousands	May 18, 2018	Dec. 31, 2019	Dec. 31, 2018
Fair value of liabilities assumed
Goodwill resulting from acquisition		$ 446,345	$ 391,668
First Bank Lubbock Bancshares, Inc.
Fair value of consideration paid:
Common stock (in shares)	3,350,664
Common stock (3,350,664 shares)	$ 184,454
Cash	5,451
Total consideration paid	189,905
Fair value of assets acquired
Cash and cash equivalents	212,105
Securities:
Carried at fair value	1,788
Other securities	3,268
Loans held for sale	31,050
Loans held to maturity	681,080
Premises, furniture and equipment, net	23,271
Other real estate, net	379
Mortgage servicing rights	6,995
Core deposit intangibles and customer relationships, net	13,908
Cash surrender value on life insurance	14,997
Other assets	7,185
Total assets	996,026
Fair value of liabilities assumed
Deposits	893,827
Other borrowings	12,077
Other liabilities	21,580
Fair value of net assets acquired	927,484
Fair value of net assets acquired	68,542
Goodwill resulting from acquisition	$ 121,363

Cash and Due from Banks (Detail

Cash and Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Reserve balance requirement	$ 46.8	$ 15.2

Securities (Available-for-sale

Securities (Available-for-sale Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 3,292,998
Amortized Cost, Equity Securities	18,435	$ 17,086
Amortized Cost, Total	3,311,433	2,492,620
Gross Unrealized Gains	29,765	4,662
Gross Unrealized Losses	(28,402)	(46,573)
Securities available for sale	3,294,361
Estimated Fair Value, Equity Securities	18,435	17,086
Estimated Fair Value, Total	3,312,796	2,450,709
Debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		2,475,534
Gross Unrealized Gains		4,662
Gross Unrealized Losses		(46,573)
Securities available for sale		2,433,623
U.S. government corporations and agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	9,844	32,075
Gross Unrealized Gains	49	3
Gross Unrealized Losses	0	(127)
Securities available for sale	9,893	31,951
Mortgage and asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,579,081	2,061,358
Gross Unrealized Gains	17,200	3,740
Gross Unrealized Losses	(19,003)	(38,400)
Securities available for sale	2,577,278	2,026,698
Obligations of states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	704,073	382,101
Gross Unrealized Gains	12,516	919
Gross Unrealized Losses	(9,399)	(8,046)
Securities available for sale	$ 707,190	$ 374,974

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Reclassification from held to maturity securities	$ (91,324,000)	$ (236,283,000)
Reclassification to debt securities available for sale	3,294,361,000
Equity securities with a readily determinable fair value	18,435,000	17,086,000
Equity securities with a readily determinable fair value	18,435,000	17,086,000
Unrealized gain on equity securities, net	525,000	212,000	$ 0
Gross realized gains (losses)	0	0	$ 0
FHLB stock	16,800,000	$ 16,600,000
Collateral Pledged
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Securities pledged as collateral	$ 509,600,000

Securities (Held-to-maturity Se

Securities (Held-to-maturity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Held-to-maturity Securities [Line Items]
Total investment securities	$ 91,324	$ 236,283
Gross Unrealized Gains	9,160	9,554
Gross Unrealized Losses	0	(496)
Estimated Fair Value	100,484	245,341
Obligations of states and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Total investment securities	91,324	236,283
Gross Unrealized Gains	9,160	9,554
Gross Unrealized Losses	0	(496)
Estimated Fair Value	$ 100,484	$ 245,341

Securities (Available-for-sal_2

Securities (Available-for-sale Securities, Debt Maturities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized Cost
Due in 1 year or less	$ 12,121
Due in 1 to 5 years	28,111
Due in 5 to 10 years	76,299
Due after 10 years	597,386
Total debt securities	713,917
Mortgage and asset-backed securities	2,579,081
Equity securities with a readily determinable fair value	18,435	$ 17,086
Total investment securities	3,311,433
Estimated Fair Value
Due in 1 year or less	12,171
Due in 1 to 5 years	28,434
Due in 5 to 10 years	77,942
Due after 10 years	598,536
Total debt securities	717,083
Mortgage and asset-backed securities	2,577,278
Equity securities with a readily determinable fair value	18,435	$ 17,086
Total investment securities	$ 3,312,796

Securities (Held-to-maturity _2

Securities (Held-to-maturity Securities, Debt Maturities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized Cost
Due in 1 year or less	$ 2,443
Due in 1 to 5 years	17,604
Due in 5 to 10 years	59,708
Due after 10 years	11,569
Total investment securities	91,324	$ 236,283
Estimated Fair Value
Due in 1 year or less	2,472
Due in 1 to 5 years	18,153
Due in 5 to 10 years	64,775
Due after 10 years	15,084
Total investment securities	$ 100,484	$ 245,341

Securities (Gross Realized Gain

Securities (Gross Realized Gain (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Available for Sale Securities sold:
Proceeds from the sale of securities available for sale	$ 1,628,467	$ 727,895	$ 1,456,750
Gross security gains	11,774	3,661	10,585
Gross security losses	$ 4,115	$ 2,576	$ 3,812

Securities (Available for Sale

Securities (Available for Sale Securities Unrealized Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value
Less than 12 months	$ 1,619,266	$ 793,718
12 months or longer	241,232	1,067,809
Total	1,860,498	1,861,527
Unrealized Losses
Less than 12 months	(23,588)	(9,533)
12 months or longer	(4,814)	(37,040)
Total	(28,402)	(46,573)
U.S. government corporations and agencies
Fair Value
Less than 12 months	0	24,902
12 months or longer	0	4,577
Total	0	29,479
Unrealized Losses
Less than 12 months	0	(83)
12 months or longer	0	(44)
Total	0	(127)
Mortgage and asset-backed securities
Fair Value
Less than 12 months	1,231,732	733,826
12 months or longer	241,232	805,089
Total	1,472,964	1,538,915
Unrealized Losses
Less than 12 months	(14,189)	(9,060)
12 months or longer	(4,814)	(29,340)
Total	(19,003)	(38,400)
Obligations of states and political subdivisions
Fair Value
Less than 12 months	387,534	34,990
12 months or longer	0	258,143
Total	387,534	293,133
Unrealized Losses
Less than 12 months	(9,399)	(390)
12 months or longer	0	(7,656)
Total	$ (9,399)	$ (8,046)

Securities (Held to Maturity Se

Securities (Held to Maturity Securities Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value
Less than 12 months	$ 0	$ 10,802
12 months or longer	0	19,508
Total	0	30,310
Unrealized Losses
Less than 12 months	0	(17)
12 months or longer	0	(479)
Total	0	(496)
Obligations of states and political subdivisions
Fair Value
Less than 12 months	0	10,802
12 months or longer	0	19,508
Total	0	30,310
Unrealized Losses
Less than 12 months	0	(17)
12 months or longer	0	(479)
Total	$ 0	$ (496)

Loans (Loans Receivable) (Detai

Loans (Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	$ 8,373,497	$ 7,410,881
Unearned discount	(680)	(1,624)
Deferred loan fees	(4,900)	(1,560)
Total net loans receivable held to maturity	8,367,917	7,407,697
Allowance for loan losses	(70,395)	(61,963)
Loans receivable, net	8,297,522	7,345,734
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	6,790,458	5,731,712
Commercial | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	2,419,909	2,020,231
Commercial | Commercial real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	4,370,549	3,711,481
Agricultural and agricultural real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	533,064	565,408
Residential real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	597,742	673,603
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases receivable held to maturity	$ 452,233	$ 440,158

Loans (Allowance for Credit Los

Loans (Allowance for Credit Losses on Financing Receivables) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	$ 8,172	$ 7,554
Ending Balance Under ASC 450-20	62,223	54,409
Total	70,395	61,963	$ 55,686	$ 54,324
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	87,052	81,796
Ending Balance Evaluated for Impairment Under ASC 450-20	8,286,445	7,329,085
Total	8,373,497	7,410,881
Commercial
Gross Loans Receivable Held to Maturity
Total	6,790,458	5,731,712
Commercial | Commercial
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	6,245	5,733
Ending Balance Under ASC 450-20	21,499	18,772
Total	27,744	24,505	18,098
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	24,438	24,202
Ending Balance Evaluated for Impairment Under ASC 450-20	2,395,471	1,996,029
Total	2,419,909	2,020,231
Commercial | Commercial real estate
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	451	218
Ending Balance Under ASC 450-20	30,292	25,320
Total	30,743	25,538	21,950
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	18,652	14,388
Ending Balance Evaluated for Impairment Under ASC 450-20	4,351,897	3,697,093
Total	4,370,549	3,711,481
Agricultural and agricultural real estate
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	916	686
Ending Balance Under ASC 450-20	4,701	4,267
Total	5,617	4,953	4,258
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	22,686	15,951
Ending Balance Evaluated for Impairment Under ASC 450-20	510,378	549,457
Total	533,064	565,408
Residential real estate
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	110	168
Ending Balance Under ASC 450-20	1,328	1,617
Total	1,438	1,785	2,224
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	16,740	20,251
Ending Balance Evaluated for Impairment Under ASC 450-20	581,002	653,352
Total	597,742	673,603
Consumer
Allowance For Loan Losses
Ending Balance Under ASC 310-10-35	450	749
Ending Balance Under ASC 450-20	4,403	4,433
Total	4,853	5,182	$ 9,156
Gross Loans Receivable Held to Maturity
Ending Balance Evaluated for Impairment Under ASC 310-10-35	4,536	7,004
Ending Balance Evaluated for Impairment Under ASC 450-20	447,697	433,154
Total	$ 452,233	$ 440,158

Loans (Financing Receivables, N

Loans (Financing Receivables, Non accrual Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Receivables [Abstract]
Nonaccrual loans	$ 72,754	$ 67,833
Nonaccrual troubled debt restructured loans	3,794	4,110
Total nonaccrual loans	76,548	71,943
Accruing loans past due 90 days or more	4,105	726
Performing troubled debt restructured loans	$ 3,794	$ 4,026

Loans (Troubled Debt Restructur

Loans (Troubled Debt Restructured Loans) (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Troubled debt restructured loans	$ 7.6	$ 8.1
Nonperforming Financial Instruments
Financing Receivable, Recorded Investment [Line Items]
Troubled debt restructured loans	3.8	4.1
Performing Financial Instruments
Financing Receivable, Recorded Investment [Line Items]
Troubled debt restructured loans	$ 3.8	$ 4

Loans (Troubled Debt Restruct_2

Loans (Troubled Debt Restructurings on Financing Receivables) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	7	16
Pre-Modification Recorded Investment	$ 663	$ 2,843
Post-Modification Recorded Investment	$ 689	$ 2,559
Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	0
Pre-Modification Recorded Investment	$ 40	$ 0
Post-Modification Recorded Investment	$ 40	$ 0
Commercial | Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	0
Pre-Modification Recorded Investment	$ 40	$ 0
Post-Modification Recorded Investment	$ 40	$ 0
Commercial | Commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Pre-Modification Recorded Investment	$ 0	$ 0
Post-Modification Recorded Investment	$ 0	$ 0
Agricultural and agricultural real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Pre-Modification Recorded Investment	$ 0	$ 0
Post-Modification Recorded Investment	$ 0	$ 0
Residential real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	6	16
Pre-Modification Recorded Investment	$ 623	$ 2,843
Post-Modification Recorded Investment	$ 649	$ 2,559
Consumer
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Pre-Modification Recorded Investment	$ 0	$ 0
Post-Modification Recorded Investment	$ 0	$ 0

Loans (Troubled Debt Restruct_3

Loans (Troubled Debt Restructured Loans with Payment Default) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	2	7
Recorded Investment | $	$ 210	$ 1,036
Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Recorded Investment | $	$ 0	$ 0
Commercial | Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Recorded Investment | $	$ 0	$ 0
Commercial | Commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Recorded Investment | $	$ 0	$ 0
Agricultural and agricultural real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Recorded Investment | $	$ 0	$ 0
Residential real estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	2	7
Recorded Investment | $	$ 210	$ 1,036
Consumer
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	0	0
Recorded Investment | $	$ 0	$ 0

Loans (Not Covered by Share Agr

Loans (Not Covered by Share Agreements (Credit Quality Indicator)) (Details) $ in Thousands	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)
Financing Receivable, Recorded Investment [Line Items]
Number of loans classified as doubtful | loan	0
Number of loans classified as loss | loan	0
Loans and leases receivable	$ 8,373,497	$ 7,410,881
Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	7,816,728	6,947,494
Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	556,769	463,387
Commercial
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	6,790,458	5,731,712
Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	6,392,551	5,404,923
Commercial | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	397,907	326,789
Commercial | Commercial
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	2,419,909	2,020,231
Commercial | Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	2,251,115	1,880,579
Commercial | Commercial | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	168,794	139,652
Commercial | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	4,370,549	3,711,481
Commercial | Commercial real estate | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	4,141,436	3,524,344
Commercial | Commercial real estate | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	229,113	187,137
Agricultural and agricultural real estate
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	533,064	565,408
Agricultural and agricultural real estate | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	415,455	471,642
Agricultural and agricultural real estate | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	117,609	93,766
Residential real estate
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	597,742	673,603
Residential real estate | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	569,401	645,478
Residential real estate | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	28,341	28,125
Consumer
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	452,233	440,158
Consumer | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	439,321	425,451
Consumer | Nonpass
Financing Receivable, Recorded Investment [Line Items]
Loans and leases receivable	$ 12,912	$ 14,707

Loans (Not Covered by Share A_2

Loans (Not Covered by Share Agreements (Percentage)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Loans delinquent 30-89 days as a percentage of total loans	0.33%	0.21%
Loans secured by real estate property in process of foreclosure	$ 2.7
Threshold period past due, nonperforming status of loans and leases	90 days
Period of repayment performance, minimum	6 months
Nonpass
Financing Receivable, Recorded Investment [Line Items]
Percent of nonaccrual loans	14.00%	16.00%
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Percent of loans	60.00%	52.00%
Substandard
Financing Receivable, Recorded Investment [Line Items]
Percent of loans	40.00%	48.00%

Loans (Not Covered by Share A_3

Loans (Not Covered by Share Agreements (Past Due Financing Receivables)) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 31,928	$ 16,650
Current	8,265,021	7,322,288
Nonaccrual	76,548	71,943
Total	8,373,497	7,410,881
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	25,322	15,363
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,501	561
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,105	726
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20,253	8,324
Current	6,733,309	5,685,784
Nonaccrual	36,896	37,604
Total	6,790,458	5,731,712
Commercial | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	9,700	2,779
Current	2,384,637	1,991,525
Nonaccrual	25,572	25,927
Total	2,419,909	2,020,231
Commercial | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10,553	5,545
Current	4,348,672	3,694,259
Nonaccrual	11,324	11,677
Total	4,370,549	3,711,481
Commercial | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	14,532	7,393
Commercial | 30-59 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5,075	2,574
Commercial | 30-59 Days Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	9,457	4,819
Commercial | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,738	205
Commercial | 60-89 Days Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	726	205
Commercial | 60-89 Days Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,012	0
Commercial | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,983	726
Commercial | 90 Days or More Past Due | Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,899	0
Commercial | 90 Days or More Past Due | Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	84	726
Agricultural and agricultural real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,969	99
Current	504,419	549,376
Nonaccrual	24,676	15,933
Total	533,064	565,408
Agricultural and agricultural real estate | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,734	99
Agricultural and agricultural real estate | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	209	0
Agricultural and agricultural real estate | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	26	0
Residential real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,550	5,196
Current	582,257	655,329
Nonaccrual	10,935	13,078
Total	597,742	673,603
Residential real estate | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,382	5,147
Residential real estate | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	72	49
Residential real estate | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	96	0
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,156	3,031
Current	445,036	431,799
Nonaccrual	4,041	5,328
Total	452,233	440,158
Consumer | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,674	2,724
Consumer | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	482	307
Consumer | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 0	$ 0

Loans (Impaired Loans Not Cover

Loans (Impaired Loans Not Covered by Loss Share Agreements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Unpaid Principal Balance
Impaired loans with a related allowance	$ 17,721	$ 17,005
Impaired loans without a related allowance	75,171	69,265
Total impaired loans held to maturity	92,892	86,270
Loan Balance
Impaired loans with a related allowance	17,189	16,995
Impaired loans without a related allowance	69,863	64,801
Total impaired loans held to maturity	87,052	81,796
Impaired loans, related allowance recorded	8,172	7,554
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	18,217	15,399
Impaired loans without a related allowance	67,721	66,900
Total impaired loans held to maturity	85,938	82,299
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	39	101
Impaired loans without a related allowance	1,596	958
Total loans held to maturity	1,635	1,059
Commercial
Unpaid Principal Balance
Impaired loans with a related allowance	13,015	13,267
Impaired loans without a related allowance	32,593	27,194
Total impaired loans held to maturity	45,608	40,461
Loan Balance
Impaired loans with a related allowance	12,998	13,257
Impaired loans without a related allowance	30,092	25,333
Total impaired loans held to maturity	43,090	38,590
Impaired loans, related allowance recorded	6,696	5,951
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	13,192	9,162
Impaired loans without a related allowance	29,629	23,052
Total impaired loans held to maturity	42,821	32,214
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	28	58
Impaired loans without a related allowance	1,211	548
Total loans held to maturity	1,239	606
Commercial | Commercial
Unpaid Principal Balance
Impaired loans with a related allowance	11,696	12,376
Impaired loans without a related allowance	15,180	13,616
Total impaired loans held to maturity	26,876	25,992
Loan Balance
Impaired loans with a related allowance	11,679	12,366
Impaired loans without a related allowance	12,759	11,836
Total impaired loans held to maturity	24,438	24,202
Impaired loans, related allowance recorded	6,245	5,733
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	11,757	4,741
Impaired loans without a related allowance	12,831	10,052
Total impaired loans held to maturity	24,588	14,793
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	6	33
Impaired loans without a related allowance	740	299
Total loans held to maturity	746	332
Commercial | Commercial real estate
Unpaid Principal Balance
Impaired loans with a related allowance	1,319	891
Impaired loans without a related allowance	17,413	13,578
Total impaired loans held to maturity	18,732	14,469
Loan Balance
Impaired loans with a related allowance	1,319	891
Impaired loans without a related allowance	17,333	13,497
Total impaired loans held to maturity	18,652	14,388
Impaired loans, related allowance recorded	451	218
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	1,435	4,421
Impaired loans without a related allowance	16,798	13,000
Total impaired loans held to maturity	18,233	17,421
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	22	25
Impaired loans without a related allowance	471	249
Total loans held to maturity	493	274
Agricultural and agricultural real estate
Unpaid Principal Balance
Impaired loans with a related allowance	2,750	1,718
Impaired loans without a related allowance	23,245	16,836
Total impaired loans held to maturity	25,995	18,554
Loan Balance
Impaired loans with a related allowance	2,237	1,718
Impaired loans without a related allowance	20,449	14,233
Total impaired loans held to maturity	22,686	15,951
Impaired loans, related allowance recorded	916	686
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	2,739	2,165
Impaired loans without a related allowance	16,837	14,781
Total impaired loans held to maturity	19,576	16,946
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	0	2
Impaired loans without a related allowance	60	5
Total loans held to maturity	60	7
Residential real estate
Unpaid Principal Balance
Impaired loans with a related allowance	927	647
Impaired loans without a related allowance	15,824	19,604
Total impaired loans held to maturity	16,751	20,251
Loan Balance
Impaired loans with a related allowance	927	647
Impaired loans without a related allowance	15,813	19,604
Total impaired loans held to maturity	16,740	20,251
Impaired loans, related allowance recorded	110	168
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	1,116	1,138
Impaired loans without a related allowance	17,073	23,950
Total impaired loans held to maturity	18,189	25,088
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	0	12
Impaired loans without a related allowance	280	308
Total loans held to maturity	280	320
Consumer
Unpaid Principal Balance
Impaired loans with a related allowance	1,029	1,373
Impaired loans without a related allowance	3,509	5,631
Total impaired loans held to maturity	4,538	7,004
Loan Balance
Impaired loans with a related allowance	1,027	1,373
Impaired loans without a related allowance	3,509	5,631
Total impaired loans held to maturity	4,536	7,004
Impaired loans, related allowance recorded	450	749
Year-to-Date Avg. Loan Balance
Impaired loans with a related allowance	1,170	2,934
Impaired loans without a related allowance	4,182	5,117
Total impaired loans held to maturity	5,352	8,051
Year-to-Date Interest Income Recognized
Impaired loans with a related allowance	11	29
Impaired loans without a related allowance	45	97
Total loans held to maturity	$ 56	$ 126

Loans (Purchased Impaired Loans

Loans (Purchased Impaired Loans (Narrative)) (Details) - USD ($) $ in Millions	Nov. 30, 2019	May 10, 2019	May 18, 2018	Feb. 23, 2018
Rockford Bank and Trust Company
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired, gross	$ 366.6
Estimated fair value of loans acquired	$ 354
Blue Valley Ban Corp.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired, gross		$ 558.2
Estimated fair value of loans acquired		$ 542
First Bank Lubbock Bancshares, Inc.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired, gross			$ 696.9
Estimated fair value of loans acquired			$ 681.1
Signature Bancshares, Inc.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired, gross				$ 335.1
Estimated fair value of loans acquired				324.5
Commercial | Signature Bancshares, Inc.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Estimated fair value of loans acquired				$ 16

Loans (Summary of Purchased Imp

Loans (Summary of Purchased Impaired and Nonimpaired Loans Acquired) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	$ 1,748,634	$ 1,633,331
Agricultural and agricultural real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	9,434	27,115
Residential real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	181,453	184,620
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	83,269	75,773
Commercial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	324,870	247,494
Commercial real estate | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	1,149,608	1,098,329
Non Impaired Purchased Loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	1,736,303	1,629,141
Non Impaired Purchased Loans | Agricultural and agricultural real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	9,434	27,115
Non Impaired Purchased Loans | Residential real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	181,453	184,389
Non Impaired Purchased Loans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	82,700	75,773
Non Impaired Purchased Loans | Commercial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	317,689	243,693
Non Impaired Purchased Loans | Commercial real estate | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	1,145,027	1,098,171
Impaired Purchased Loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	12,331	4,190
Impaired Purchased Loans | Agricultural and agricultural real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	0	0
Impaired Purchased Loans | Residential real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	0	231
Impaired Purchased Loans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	569	0
Impaired Purchased Loans | Commercial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	7,181	3,801
Impaired Purchased Loans | Commercial real estate | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Purchased Loans	$ 4,581	$ 158

Loans (Change in Accretable Yie

Loans (Change in Accretable Yield) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at beginning of period	$ 227	$ 57
Original yield discount, net, at date of acquisitions	64	508
Accretion	(2,479)	(1,743)
Reclassification from nonaccretable difference	2,581	1,405
Balance at end of period	$ 393	$ 227

Loans (Carrying Amounts of Purc

Loans (Carrying Amounts of Purchased Impaired and Nonimpaired Loans Acquired and Carrying Amount of Loans Covered by Loss Share Agreements (Narrative)) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses	$ 70,395				$ 61,963				$ 70,395	$ 61,963
Provision expense	4,903	$ 5,201	$ 4,918	$ 1,635	9,681	$ 5,238	$ 4,831	$ 4,263	16,657	24,013	$ 15,563
2015 Acquisitions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses	86				$ 57				86	57
Provision expense									29	$ 719
2015 Acquisitions | Receivables acquired excluding receivables with deteriorated credit quality
Accounts, Notes, Loans and Financing Receivable [Line Items]
Contractually required payments of loans acquired	4,590,000								4,590,000
Estimated fair value of loans acquired	4,470,000								4,470,000
2015 Acquisitions | Receivables acquired with deteriorated credit quality
Accounts, Notes, Loans and Financing Receivable [Line Items]
Contractually required payments of loans acquired	50,000								50,000
Estimated fair value of loans acquired	$ 31,600								$ 31,600

Loans (Related Parties Roll For

Loans (Related Parties Roll Forward) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at beginning of year	$ 124,983	$ 115,673
Advances	91,287	44,771
Repayments	(31,702)	(35,461)
Balance at end of year	$ 184,568	$ 124,983

Allowance for Loan Losses (Deta

Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				$ 61,963				$ 55,686	$ 61,963	$ 55,686	$ 54,324
Provision for loan losses	$ 4,903	$ 5,201	$ 4,918	1,635	$ 9,681	$ 5,238	$ 4,831	4,263	16,657	24,013	15,563
Recoveries on loans previously charged-off									5,365	3,549	3,670
Loans charged-off									(13,590)	(21,285)	(17,871)
Balance at end of year	70,395				61,963				70,395	61,963	55,686
Commercial | Commercial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				24,505				18,098	24,505	18,098
Provision for loan losses									8,790	13,345
Recoveries on loans previously charged-off									1,743	978
Loans charged-off									(7,294)	(7,916)
Balance at end of year	27,744				24,505				27,744	24,505	18,098
Commercial | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				25,538				21,950	25,538	21,950
Provision for loan losses									4,086	4,518
Recoveries on loans previously charged-off									1,391	1,047
Loans charged-off									(272)	(1,977)
Balance at end of year	30,743				25,538				30,743	25,538	21,950
Agricultural and agricultural real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				4,953				4,258	4,953	4,258
Provision for loan losses									2,784	2,119
Recoveries on loans previously charged-off									536	13
Loans charged-off									(2,656)	(1,437)
Balance at end of year	5,617				4,953				5,617	4,953	4,258
Residential real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				1,785				2,224	1,785	2,224
Provision for loan losses									(13)	(163)
Recoveries on loans previously charged-off									73	96
Loans charged-off									(407)	(372)
Balance at end of year	1,438				1,785				1,438	1,785	2,224
Consumer
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				$ 5,182				$ 9,156	5,182	9,156
Provision for loan losses									1,010	4,194
Recoveries on loans previously charged-off									1,622	1,415
Loans charged-off									(2,961)	(9,583)
Balance at end of year	$ 4,853				$ 5,182				$ 4,853	$ 5,182	$ 9,156

Premises, Furniture and Equip_3

Premises, Furniture and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Total	$ 302,899	$ 289,543
Less accumulated depreciation	(105,341)	(102,125)
Premises, furniture and equipment, net	197,558	187,418
Depreciation expense	12,000	11,700	$ 11,100
Land and land improvements
Property, Plant and Equipment [Line Items]
Total	60,444	52,442
Buildings and building improvements
Property, Plant and Equipment [Line Items]
Total	176,838	170,160
Depreciation expense	6,200	5,800	5,200
Furniture and equipment
Property, Plant and Equipment [Line Items]
Total	65,617	66,941
Depreciation expense	$ 5,800	$ 6,000	$ 6,000

Goodwill, Core Deposit Intang_3

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Nov. 30, 2019	May 10, 2019	Dec. 31, 2018	May 18, 2018	Feb. 23, 2018
Goodwill [Line Items]
Goodwill resulting from acquisition	$ 446,345,000			$ 391,668,000
Goodwill, impairment loss	$ 0
Rockford Bank and Trust Company
Goodwill [Line Items]
Goodwill resulting from acquisition		$ 19,200,000
Rockford Bank and Trust Company | Core Deposit Intangibles
Goodwill [Line Items]
Recognized intangibles		$ 1,800,000
Intangibles amortization period	10 years
Blue Valley Ban Corp.
Goodwill [Line Items]
Goodwill resulting from acquisition			$ 35,400,000
Blue Valley Ban Corp. | Core Deposit Intangibles
Goodwill [Line Items]
Recognized intangibles			$ 11,400,000
Intangibles amortization period	10 years
First Bank Lubbock Bancshares, Inc.
Goodwill [Line Items]
Goodwill resulting from acquisition					$ 121,363,000
First Bank Lubbock Bancshares, Inc. | Core Deposit Intangibles
Goodwill [Line Items]
Recognized intangibles					$ 13,900,000
Intangibles amortization period	10 years
Signature Bancshares, Inc.
Goodwill [Line Items]
Goodwill resulting from acquisition						$ 33,700,000
Signature Bancshares, Inc. | Core Deposit Intangibles
Goodwill [Line Items]
Recognized intangibles						$ 7,700,000
Intangibles amortization period	10 years

Goodwill, Core Deposit Intang_4

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Carrying Amount of Intangible Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 112,836	$ 133,879
Accumulated Amortization	57,412	55,328
Net Carrying Amount	55,424	78,551
Core Deposit Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	96,821	83,640
Accumulated Amortization	48,338	36,403
Net Carrying Amount	48,483	47,237
Customer Relationship Intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	1,177	1,177
Accumulated Amortization	972	935
Net Carrying Amount	205	242
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	7,886	42,228
Accumulated Amortization	2,265	12,865
Net Carrying Amount	5,621	29,363
Commercial Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	6,952	6,834
Accumulated Amortization	5,837	5,125
Net Carrying Amount	$ 1,115	$ 1,709

Goodwill, Core Deposit Intang_5

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Mortgage and Commercial Loans Servicing Narrative) (Details)	Apr. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Aug. 01, 2019USD ($)
Valuation servicing rights in tranches [Line Items]
Mortgage loans serviced for others			$ 616,700,000	$ 648,900,000
Custodial escrow balances maintained			5,000,000	5,900,000
Servicing rights, net			6,736,000	31,072,000
PNC Bank, N.A.
Valuation servicing rights in tranches [Line Items]
Custodial escrow balances maintained						$ 22,900,000
Dubuque Bank and Trust Company
Valuation servicing rights in tranches [Line Items]
Custodial escrow balances maintained				17,700,000
Mortgage Servicing Rights
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			5,621,000	7,000,000
Fees collected for servicing of mortgage loans			4,900,000	$ 9,900,000	$ 11,600,000
Mortgage Servicing Rights | Dubuque Bank and Trust Company
Valuation servicing rights in tranches [Line Items]
Unpaid principal balance	$ 3,310,000,000
Mortgage servicing rights		$ 20,600,000
Cash received from sale of Mortgage servicing rights			$ 36,600,000
Gain on sale of mortgage servicing rights		$ 14,500,000
Mortgage Servicing Rights | First Bank & Trust
Valuation servicing rights in tranches [Line Items]
Prepayment rate (as a percent)				10.30%
Mortgage Servicing Rights | Minimum
Valuation servicing rights in tranches [Line Items]
Prepayment rate (as a percent)			14.20%
Discount rate (as a percent)			9.03%
Commercial Servicing Rights
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			$ 1,594,000	$ 2,134,000
Fees collected for servicing of mortgage loans			1,000,000	1,600,000
Servicing rights, net			$ 82,100,000	$ 107,400,000
Commercial Servicing Rights | Minimum
Valuation servicing rights in tranches [Line Items]
Prepayment rate (as a percent)			14.25%	11.01%
Discount rate (as a percent)			10.65%	13.44%
Commercial Servicing Rights | Maximum
Valuation servicing rights in tranches [Line Items]
Prepayment rate (as a percent)			18.08%	13.50%
Discount rate (as a percent)			13.94%	16.96%
Commercial Servicing Rights less than 20 Years
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			$ 285,000	$ 491,000
Servicing rights, term			20 years
Servicing rights, valuation allowance			$ 0	0
Amortization period			20 years
Commercial Servicing Rights more than 20 Years
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			$ 1,309,000	1,643,000
Servicing rights, term			20 years
Servicing rights, valuation allowance			$ 0	0
Amortization period			20 years
Mortgage Servicing Rights 15-year Tranche
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			$ 1,368,000	6,301,000
Servicing rights, valuation allowance			$ 114,000	$ 20,000
Amortization period			15 years	15 years
Mortgage Servicing Rights 30-year Tranche
Valuation servicing rights in tranches [Line Items]
Fair value of mortgage servicing rights			$ 4,253,000	$ 42,379,000
Servicing rights, valuation allowance			$ 797,000	$ 38,000
Amortization period			30 years	30 years
Measurement Input, Cap Rate | Mortgage Servicing Rights | Minimum
Valuation servicing rights in tranches [Line Items]
Average capitalization rate (percent)			0.0080	0.0093
Measurement Input, Cap Rate | Mortgage Servicing Rights | Maximum
Valuation servicing rights in tranches [Line Items]
Average capitalization rate (percent)			0.0103	0.0117
Measurement Input, Cap Rate | Commercial Servicing Rights | Minimum
Valuation servicing rights in tranches [Line Items]
Average capitalization rate (percent)			0.0310	0.0310
Measurement Input, Cap Rate | Commercial Servicing Rights | Maximum
Valuation servicing rights in tranches [Line Items]
Average capitalization rate (percent)			0.0445	0.0445

Goodwill, Core Deposit Intang_6

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Estimated Future Amortization Expense for Amortizable Intangible Assets) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Year ending December 31,
2020	$ 12,320
2021	10,198
2022	8,375
2023	7,193
2024	5,829
Thereafter	11,509
Total	55,424
Core Deposit Intangibles
Year ending December 31,
2020	10,577
2021	8,691
2022	7,102
2023	6,201
2024	5,108
Thereafter	10,804
Total	48,483
Customer Relationship Intangible
Year ending December 31,
2020	37
2021	35
2022	34
2023	34
2024	33
Thereafter	32
Total	205
Mortgage Servicing Rights
Year ending December 31,
2020	1,405
2021	1,205
2022	1,004
2023	803
2024	602
Thereafter	602
Total	5,621
Commercial Servicing Rights
Year ending December 31,
2020	301
2021	267
2022	235
2023	155
2024	86
Thereafter	71
Total	$ 1,115

Goodwill, Core Deposit Intang_7

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Changes in Capitalized Mortgage and Commercial Servicing Rights) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Servicing Asset at Fair Value, Amount [Roll Forward]
Valuation allowance on servicing rights	$ 911	$ 46	$ (21)
Mortgage Servicing Rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of period	29,363	23,248
Originations	893	5,045
Amortization	(3,168)	(5,867)
Sale of mortgage servicing rights	(20,556)	0
Acquired mortgage servicing rights	0	6,995
Valuation allowance on servicing rights	(911)	(58)
Balance at end of period	5,621	29,363	23,248
Fair value of mortgage servicing rights	$ 5,621	$ 7,000
Servicing rights, net to servicing portfolio (as a percent)	0.91%	0.72%
Mortgage Servicing Rights | Previously Reported
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value of mortgage servicing rights		$ 48,680
Commercial Servicing Rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of period	$ 1,709	2,609
Originations	118	115
Amortization	(712)	(1,027)
Acquired mortgage servicing rights	0	0
Valuation allowance on servicing rights	0	12
Balance at end of period	1,115	1,709	$ 2,609
Fair value of mortgage servicing rights	$ 1,594	$ 2,134
Servicing rights, net to servicing portfolio (as a percent)	1.36%	1.59%

Goodwill, Core Deposit Intang_8

Goodwill, Core Deposit Intangibles and Other Intangible Assets (Book Value, Fair Value, and Valuation Allowance of Mortgage and Commercial Servicing Rights) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Mortgage Servicing Rights 15-year Tranche
Finite-Lived Intangible Assets [Line Items]
Book Value	$ 1,482,000	$ 3,880,000
Fair Value	1,368,000	6,301,000
Impairment	114,000	20,000
Mortgage Servicing Rights 15-year Tranche | Dubuque Bank and Trust Company
Finite-Lived Intangible Assets [Line Items]
Book Value	0	2,195,000
Fair Value	0	4,636,000
Impairment	0	0
Mortgage Servicing Rights 15-year Tranche | First Bank & Trust
Finite-Lived Intangible Assets [Line Items]
Book Value	1,482,000	1,685,000
Fair Value	1,368,000	1,665,000
Impairment	114,000	20,000
Mortgage Servicing Rights 30-year Tranche
Finite-Lived Intangible Assets [Line Items]
Book Value	5,050,000	25,541,000
Fair Value	4,253,000	42,379,000
Impairment	797,000	38,000
Mortgage Servicing Rights 30-year Tranche | Dubuque Bank and Trust Company
Finite-Lived Intangible Assets [Line Items]
Book Value	0	20,025,000
Fair Value	0	36,901,000
Impairment	0	0
Mortgage Servicing Rights 30-year Tranche | First Bank & Trust
Finite-Lived Intangible Assets [Line Items]
Book Value	5,050,000	5,516,000
Fair Value	4,253,000	5,478,000
Impairment	797,000	38,000
Commercial Servicing Rights less than 20 Years
Finite-Lived Intangible Assets [Line Items]
Book Value	129,000	295,000
Fair Value	285,000	491,000
Impairment	0	0
Commercial Servicing Rights less than 20 Years | Citywide Banks
Finite-Lived Intangible Assets [Line Items]
Book Value	0	1,000
Fair Value	0	6,000
Impairment	0	0
Commercial Servicing Rights less than 20 Years | Premier Valley Bank
Finite-Lived Intangible Assets [Line Items]
Book Value	1,000	45,000
Fair Value	13,000	74,000
Impairment	0	0
Commercial Servicing Rights less than 20 Years | Wisconsin Bank & Trust
Finite-Lived Intangible Assets [Line Items]
Book Value	128,000	249,000
Fair Value	272,000	411,000
Impairment	0	0
Commercial Servicing Rights more than 20 Years
Finite-Lived Intangible Assets [Line Items]
Book Value	986,000	1,414,000
Fair Value	1,309,000	1,643,000
Impairment	0	0
Commercial Servicing Rights more than 20 Years | Citywide Banks
Finite-Lived Intangible Assets [Line Items]
Book Value	0	18,000
Fair Value	0	20,000
Impairment	0	0
Commercial Servicing Rights more than 20 Years | Premier Valley Bank
Finite-Lived Intangible Assets [Line Items]
Book Value	135,000	178,000
Fair Value	161,000	184,000
Impairment	0
Commercial Servicing Rights more than 20 Years | Wisconsin Bank & Trust
Finite-Lived Intangible Assets [Line Items]
Book Value	851,000	1,218,000
Fair Value	1,148,000	1,439,000
Impairment	$ 0	$ 0

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities of Time Certificates of Deposit) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Banking and Thrift [Abstract]
2020	$ 802,410
2021	268,777
2022	63,822
2023	24,963
2024	20,755
Thereafter	12,316
Total	1,193,043	$ 1,023,730
Time deposits, $100,000 or more	695,800	585,700
Time deposits over $250,000	$ 329,100	$ 307,100

Deposits (Interest Expense on D

Deposits (Interest Expense on Deposits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Banking and Thrift [Abstract]
Savings and money market accounts	$ 47,069	$ 25,123	$ 11,107
Time certificates of deposit in denominations of $100,000 or more	9,344	4,789	3,016
Other time deposits	7,321	5,755	4,156
Interest expense on deposits	$ 63,734	$ 35,667	$ 18,279

Short-term Borrowings (Summary

Short-term Borrowings (Summary of Short-term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Short-term borrowings	$ 182,626	$ 227,010
Retail repurchase agreements
Short-term Debt [Line Items]
Short-term borrowings	84,486	80,124
Federal funds purchased
Short-term Debt [Line Items]
Short-term borrowings	2,450	35,400
Advances from the FHLB
Short-term Debt [Line Items]
Short-term borrowings	81,198	100,838
Other short-term borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 14,492	$ 10,648

Short-term Borrowings (Narrativ

Short-term Borrowings (Narrative) (Details)	Jun. 14, 2018USD ($)	Dec. 31, 2019USD ($)credit_line	Dec. 31, 2018USD ($)	Jun. 14, 2019USD ($)	Jun. 13, 2018USD ($)	Dec. 15, 2015USD ($)
Short-term Debt [Line Items]
Number of credit lines | credit_line		1
Short-term borrowings		$ 182,626,000	$ 227,010,000
Dubuque Bank and Trust Company
Short-term Debt [Line Items]
Collateralized short-term borrowing under Discount Window Program		85,900,000	96,200,000
Bank of Blue Valley
Short-term Debt [Line Items]
Collateralized short-term borrowing under Discount Window Program		19,700,000	16,200,000
Retail Repurchase Agreements
Short-term Debt [Line Items]
Short-term borrowings		$ 84,486,000	$ 80,124,000
Debt term		12 months	12 months
Revolving Credit Facility
Short-term Debt [Line Items]
Borrowing capacity				$ 30,000,000
Short-term borrowings		$ 0	$ 0
Nonrevolving Credit Facility
Short-term Debt [Line Items]
Borrowing capacity	$ 70,000,000	$ 70,000,000			$ 75,000,000	$ 70,000,000
Basis spread on variable rate (as a percent)	2.75%

Short-term Borrowings (Balances

Short-term Borrowings (Balances and Rates) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Disclosure [Abstract]
Maximum month-end balance	$ 226,096	$ 229,890	$ 324,691
Average month-end balance	$ 128,098	$ 152,391	$ 182,846
Weighted average interest rate for the year	1.38%	1.19%	0.36%
Weighted average interest rate at year-end	1.21%	1.96%	1.11%

Other Borrowings (Schedule of O

Other Borrowings (Schedule of Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Long-term debt	$ 275,773	$ 274,905
Advances from the FHLB
Debt Instrument [Line Items]
Long-term debt	$ 2,835	$ 3,399
Weighted average interest rate	4.08%	4.03%
Trust preferred securities
Debt Instrument [Line Items]
Long-term debt	$ 145,343	$ 130,913
Senior notes
Debt Instrument [Line Items]
Long-term debt	0	5,000
Note payable to unaffiliated bank
Debt Instrument [Line Items]
Long-term debt	51,417	58,417
Contracts payable for purchase of real estate and other assets
Debt Instrument [Line Items]
Long-term debt	1,892	1,953
Subordinated notes
Debt Instrument [Line Items]
Long-term debt	74,286	74,143
Other borrowings
Debt Instrument [Line Items]
Long-term debt	$ 0	$ 1,080

Other Borrowings (Narrative) (D

Other Borrowings (Narrative) (Details)	May 10, 2016USD ($)	Dec. 31, 2019USD ($)subsidiary	Dec. 31, 2018USD ($)	Jun. 14, 2018USD ($)	Jun. 13, 2018USD ($)	May 18, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 15, 2015USD ($)	Dec. 17, 2014USD ($)
Debt Instrument [Line Items]
FHLB stock, required collateral		$ 11,300,000	$ 13,300,000
Additional collateral, aggregate fair value		4,110,000,000	3,710,000,000
FHLB borrowing capacity		$ 1,560,000,000
Number of wholly-owned trust subsidiaries that issue preferred securities | subsidiary		15
Long-term debt		$ 275,773,000	274,905,000
Senior notes		0	5,000,000
Nonrevolving Credit Facility
Debt Instrument [Line Items]
Borrowing capacity		70,000,000		$ 70,000,000	$ 75,000,000			$ 70,000,000
Available borrowings		14,800,000
Line of credit outstanding		0
Interest Rate Swap
Debt Instrument [Line Items]
Amount of hedged debt	$ 40,000,000
Interest Rate Swap | Cash Flow Hedging
Debt Instrument [Line Items]
Amount of hedged debt		105,000,000				$ 9,000,000
Interest Rate Swap | Designated as Hedging Instrument | Cash Flow Hedging | Nonrevolving Credit Facility
Debt Instrument [Line Items]
Amount of hedged debt	$ 40,000,000	51,400,000	58,400,000
Fixed interest rate on derivative (as a percent)	2.50%
Term of derivative instrument	5 years
Tier 1
Debt Instrument [Line Items]
Subordinated notes qualified as Tier 2 capital		74,300,000
Trust preferred securities
Debt Instrument [Line Items]
Deferred issuance costs		90,000
Long-term debt		145,343,000	130,913,000
Trust preferred securities | Tier 1
Debt Instrument [Line Items]
Long-term debt		145,200,000	130,900,000
Senior notes
Debt Instrument [Line Items]
Long-term debt		0	5,000,000
Contracts payable for purchase of real estate and other assets
Debt Instrument [Line Items]
Long-term debt		1,892,000	1,953,000
Debt issued									$ 75,000,000
Debt discount									$ 1,100,000
Stated interest rate (as a percent)									5.75%
Contracts payable for purchase of real estate and other assets | Other Assets
Debt Instrument [Line Items]
Unamortized debt issuance expense		$ 189,000	$ 227,000
Heartland Financial Statutory Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Repurchased debt amount							$ 2,600,000

Other Borrowings (Trust Preferr

Other Borrowings (Trust Preferred Offerings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Less: deferred issuance costs	$ 90
Total	275,773	$ 274,905
Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	145,433
Total	$ 145,343	$ 130,913
Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	4.80%
Heartland Financial Statutory Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 10,310
Interest rate (as a percent)	4.65%
Heartland Financial Statutory Trust IV | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	5.01%
Heartland Financial Statutory Trust V | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 20,619
Interest rate (as a percent)	3.32%
Heartland Financial Statutory Trust V | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	4.69%
Heartland Financial Statutory Trust VI | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 20,619
Interest rate (as a percent)	3.37%
Heartland Financial Statutory Trust VI | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	3.87%
Heartland Financial Statutory Trust VII | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 18,042
Interest rate (as a percent)	3.39%
Heartland Financial Statutory Trust VII | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	3.83%
Morrill Statutory Trust I | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 9,088
Interest rate (as a percent)	5.20%
Morrill Statutory Trust II | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 8,754
Interest rate (as a percent)	4.75%
Sheboygan Statutory Trust I | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 6,528
Interest rate (as a percent)	4.85%
CBNM Capital Trust I | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 4,409
Interest rate (as a percent)	5.14%
Citywide Capital Trust III | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 6,438
Interest rate (as a percent)	4.74%
Citywide Capital Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 4,296
Interest rate (as a percent)	4.11%
Citywide Capital Trust V | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 11,748
Interest rate (as a percent)	3.43%
OCGI Statutory Trust III | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 2,996
Interest rate (as a percent)	5.48%
OCGI Statutory Trust III | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	5.53%
OCGI Capital Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 5,342
Interest rate (as a percent)	4.39%
OCGI Capital Trust IV | Interest Rate Swap
Debt Instrument [Line Items]
Fixed interest rate on derivative (as a percent)	4.37%
BVBC Capital Trust II | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 7,197
Interest rate (as a percent)	5.16%
BVBC Capital Trust III | Trust preferred securities
Debt Instrument [Line Items]
Total trust preferred offerings	$ 9,047
Interest rate (as a percent)	3.54%
LIBOR | Heartland Financial Statutory Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.75%
LIBOR | Heartland Financial Statutory Trust V | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.33%
LIBOR | Heartland Financial Statutory Trust VI | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.48%
LIBOR | Heartland Financial Statutory Trust VII | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.48%
LIBOR | Morrill Statutory Trust I | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	3.25%
LIBOR | Morrill Statutory Trust II | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.85%
LIBOR | Sheboygan Statutory Trust I | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.95%
LIBOR | CBNM Capital Trust I | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	3.25%
LIBOR | Citywide Capital Trust III | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.80%
LIBOR | Citywide Capital Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.20%
LIBOR | Citywide Capital Trust V | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.54%
LIBOR | OCGI Statutory Trust III | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	3.65%
LIBOR | OCGI Capital Trust IV | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.50%
LIBOR | BVBC Capital Trust II | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	3.25%
LIBOR | BVBC Capital Trust III | Trust preferred securities
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.60%

Other Borrowings (Schedule of M

Other Borrowings (Schedule of Maturities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
2020	$ 8,705
2021	24,682
2022	4,657
2023	3,037
2024	77,437
Thereafter	157,255
Total	$ 275,773	$ 274,905

Derivative Financial Instrume_3

Derivative Financial Instruments (Cash Collateral on Derivative Financial Instruments) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Cash pledged as collateral	$ 1,900,000	$ 0
Counterparties
Derivative [Line Items]
Cash pledged as collateral	$ 0	$ 770,000

Derivative Financial Instrume_4

Derivative Financial Instruments (Estimated Cash Payments and Reclassification to Interest Expense) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Reclassification from accumulated other comprehensive income to interest expense	$ 197
Estimated amount to be reclassified from accumulated other comprehensive income to interest expense within the next twelve months	$ 406

Derivative Financial Instrume_5

Derivative Financial Instruments (Executed Interest Rate Swap) (Details) $ in Millions	Dec. 31, 2019USD ($)transaction	Mar. 31, 2019USD ($)	May 18, 2018USD ($)	May 10, 2016USD ($)
Forward-starting Interest Rate Swap | Cash Flow Hedging
Derivative [Line Items]
Number of interest rate swap transactions | transaction	6
Interest Rate Swap
Derivative [Line Items]
Derivative, notional amount				$ 40
Interest Rate Swap | Cash Flow Hedging
Derivative [Line Items]
Number of interest rate swap transactions | transaction	6
Derivative, notional amount	$ 105		$ 9
Interest Rate Swap | Cash Flow Hedging | Heartland Financial Statutory Trust IV, V and VII
Derivative [Line Items]
Derivative, notional amount	85
Interest Rate Swap | Cash Flow Hedging | Morrill Statutory Trust I and II
Derivative [Line Items]
Derivative, notional amount	$ 20	$ 20
Interest Rate Swap | Cash Flow Hedging | OCGI Statutory Trust III
Derivative [Line Items]
Derivative, notional amount			3
Interest Rate Swap | Cash Flow Hedging | OCGI Capital Trust IV
Derivative [Line Items]
Derivative, notional amount			$ 6

Derivative Financial Instrume_6

Derivative Financial Instruments (Balance Sheet Category and Fair Values of Derivative Instruments (Cash Flow Hedges)) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Other Assets
Derivatives, Fair Value [Line Items]
Notional Amount	$ 9,627	$ 11,266
Other Assets | Interest Rate Swap due March 17, 2021
Derivatives, Fair Value [Line Items]
Notional Amount		25,000
Fair Value		$ 191
Receive Rate		2.788%
Weighted Average Pay Rate		2.255%
Other Assets | Interest Rate Swap due March 26, 2019
Derivatives, Fair Value [Line Items]
Notional Amount		$ 10,000
Fair Value		$ 29
Receive Rate		2.822%
Weighted Average Pay Rate		1.674%
Other Assets | Interest Rate Swap due March 18, 2019
Derivatives, Fair Value [Line Items]
Notional Amount		$ 10,000
Fair Value		$ 28
Receive Rate		2.788%
Weighted Average Pay Rate		1.658%
Other Assets | Interest Rate Swap due May 10, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	25,667	$ 29,667
Fair Value	$ 135	$ 763
Receive Rate	4.215%	4.887%
Weighted Average Pay Rate	3.674%	3.674%
Other Assets | Interest Rate Swap due June 15, 2024
Derivatives, Fair Value [Line Items]
Notional Amount		$ 20,000
Fair Value		$ 157
Receive Rate		2.788%
Weighted Average Pay Rate		2.39%
Other Assets | Interest Rate Swap due March 1, 2024
Derivatives, Fair Value [Line Items]
Notional Amount		$ 20,000
Fair Value		$ 185
Receive Rate		2.738%
Weighted Average Pay Rate		2.352%
Other Assets | Interest Rate Swap Due June 15, 2021
Derivatives, Fair Value [Line Items]
Notional Amount		$ 6,000
Fair Value		$ 105
Receive Rate		2.788%
Weighted Average Pay Rate		1.866%
Other Assets | Interest Rate Swap Due June 30, 2021
Derivatives, Fair Value [Line Items]
Notional Amount		$ 3,000
Fair Value		$ 51
Receive Rate		2.787%
Weighted Average Pay Rate		1.878%
Other Liabilities
Derivatives, Fair Value [Line Items]
Notional Amount	$ 0	$ 2,231
Other Liabilities | Interest Rate Swap due March 17, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	25,000
Fair Value	$ (167)
Receive Rate	1.90%
Weighted Average Pay Rate	2.255%
Other Liabilities | Interest Rate Swap due January 7, 2020
Derivatives, Fair Value [Line Items]
Notional Amount	$ 20,000	20,000
Fair Value	$ (67)	$ (177)
Receive Rate	2.043%	2.408%
Weighted Average Pay Rate	3.355%	3.355%
Other Liabilities | Interest Rate Swap Due July 24, 2028
Derivatives, Fair Value [Line Items]
Notional Amount	$ 25,750	$ 28,750
Fair Value	$ (1,384)	$ (572)
Receive Rate	4.28%	5.004%
Weighted Average Pay Rate	5.425%	5.425%
Other Liabilities | Interest Rate Swap due June 15, 2024
Derivatives, Fair Value [Line Items]
Notional Amount	$ 20,000
Fair Value	$ (614)
Receive Rate	1.894%
Weighted Average Pay Rate	2.39%
Other Liabilities | Interest Rate Swap due March 1, 2024
Derivatives, Fair Value [Line Items]
Notional Amount	$ 20,000
Fair Value	$ (561)
Receive Rate	1.907%
Weighted Average Pay Rate	2.352%
Other Liabilities | Interest Rate Swap Due June 15, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	$ 6,000
Fair Value	$ (15)
Receive Rate	1.894%
Weighted Average Pay Rate	1.866%
Other Liabilities | Interest Rate Swap Due June 30, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	$ 3,000
Fair Value	$ (9)
Receive Rate	1.831%
Weighted Average Pay Rate	1.878%

Derivative Financial Instrume_7

Derivative Financial Instruments (Gains (Losses) Recognized on Derivatives (Cash Flow Hedges)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Trading Activity, Gains and Losses, Net [Line Items]
Effective Portion, Recognized in OCI, Amount of Gain (Loss)	$ (3,639)	$ 816	$ 210
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	170	431	$ 1,290
Interest Rate Swap
Trading Activity, Gains and Losses, Net [Line Items]
Effective Portion, Recognized in OCI, Amount of Gain (Loss)	(3,442)	995
Interest Expense | Interest Rate Swap
Trading Activity, Gains and Losses, Net [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	$ 197	179
Other Income | Interest Rate Swap
Trading Activity, Gains and Losses, Net [Line Items]
Ineffective Portion, Recognized in Income on Derivatives, Amount of Gain (Loss)		$ 0

Derivative Financial Instrume_8

Derivative Financial Instruments (Fair Value Hedge) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Cash pledged as collateral	$ 1,900	$ 0
Fair Value Hedging
Derivative [Line Items]
Notional Amount, Asset	0	19,820
Notional Amount, Liability	21,250	15,064
Fair Value Hedging | Other Assets
Derivative [Line Items]
Fair Value Hedge Assets	0	74
Fair Value Hedging | Other Liabilities
Derivative [Line Items]
Fair Value	(1,253)	(339)
Fair Value Hedging | Interest income
Derivative [Line Items]
Amount of Gain (Loss)	(988)	734
Fair Value Hedging | Interest Rate Swap
Derivative [Line Items]
Cash pledged as collateral	$ 3,400	$ 2,500

Derivative Financial Instrume_9

Derivative Financial Instruments (Balance Sheet Category and Fair Values of Embedded Derivatives) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Other noninterest income
Derivative [Line Items]
Amount of gain (loss)	$ 66	$ 339
Other assets
Derivative [Line Items]
Notional Amount	9,627	11,266
Fair Value, embedded derivative asset	465	453
Other liabilities
Derivative [Line Items]
Notional Amount	0	2,231
Fair Value, embedded derivative liability	$ 0	$ (54)

Derivative Financial Instrum_10

Derivative Financial Instruments (Loan Swaps) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Cash pledged as collateral	$ 1,900,000	$ 0
Other Assets
Derivative [Line Items]
Notional Amount	9,627,000	11,266,000
Other Liabilities
Derivative [Line Items]
Notional Amount	0	2,231,000
Back-to-back Swaps
Derivative [Line Items]
Cash pledged as collateral	20,200,000	2,000,000
Back-to-back Swaps | Other Assets
Derivative [Line Items]
Notional Amount	374,191,000	211,246,000
Fair Value	16,927,000	4,449,000
Back-to-back Swaps | Other Liabilities
Derivative [Line Items]
Notional Amount	374,191,000	211,246,000
Fair Value	(16,927,000)	(4,449,000)
Counterparties
Derivative [Line Items]
Cash pledged as collateral	0	770,000
Counterparties | Back-to-back Swaps
Derivative [Line Items]
Cash pledged as collateral	$ 0	$ 680,000
Receive Rate | Back-to-back Swaps | Other Assets
Derivative [Line Items]
Weighted Average Rate	4.68%	5.10%
Receive Rate | Back-to-back Swaps | Other Liabilities
Derivative [Line Items]
Weighted Average Rate	4.05%	4.96%
Pay Rate | Back-to-back Swaps | Other Assets
Derivative [Line Items]
Weighted Average Rate	4.05%	4.96%
Pay Rate | Back-to-back Swaps | Other Liabilities
Derivative [Line Items]
Weighted Average Rate	4.68%	5.10%

Derivative Financial Instrum_11

Derivative Financial Instruments (Balance Sheet Category and Fair Values of Derivative Instruments (Not Designated as Hedging Instruments)) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Cash pledged as collateral	$ 1,900,000	$ 0
Counterparties
Derivatives, Fair Value [Line Items]
Cash pledged as collateral	0	770,000
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Cash pledged as collateral	0	35,000
Not Designated as Hedging Instrument | Other Assets | Interest rate lock commitments (mortgage)
Assets:
Notional Amount, Asset	20,356,000	22,451,000
Fair Value	681,000	725,000
Not Designated as Hedging Instrument | Other Assets | Forward commitments
Assets:
Notional Amount, Asset	16,000,000	0
Fair Value	15,000	0
Not Designated as Hedging Instrument | Other Assets | Undesignated interest rate swaps
Assets:
Notional Amount, Asset	0	2,231,000
Fair Value	0	54,000
Not Designated as Hedging Instrument | Other Liabilities | Forward commitments
Liabilities:
Notional Amount, Liability	36,500,000	51,500,000
Fair Value	(113,000)	(399,000)
Not Designated as Hedging Instrument | Other Liabilities | Undesignated interest rate swaps
Liabilities:
Notional Amount, Liability	9,627,000	11,266,000
Fair Value	(465,000)	$ (453,000)
Not Designated as Hedging Instrument | Counterparties
Derivatives, Fair Value [Line Items]
Cash pledged as collateral	$ 0

Derivative Financial Instrum_12

Derivative Financial Instruments (Derivative Instruments Gains and Losses Recognized (Not Designated as Hedging Instruments)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net gains on sale of loans held for sale | Interest rate lock commitments (mortgage)
Trading Activity, Gains and Losses, Net [Line Items]
Year-to-Date Gain (Loss) Recognized	$ 18	$ (3,269)
Net gains on sale of loans held for sale | Forward commitments
Trading Activity, Gains and Losses, Net [Line Items]
Year-to-Date Gain (Loss) Recognized	15	(170)
Net gains on sale of loans held for sale | Forward commitments
Trading Activity, Gains and Losses, Net [Line Items]
Year-to-Date Gain (Loss) Recognized	287	(161)
Other noninterest income | Undesignated interest rate swaps
Trading Activity, Gains and Losses, Net [Line Items]
Year-to-Date Gain (Loss) Recognized	$ (66)	$ 339

Income Taxes (Components of Inc

Income Taxes (Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current:
Federal									$ 24,106	$ 16,769	$ 25,532
State									11,298	8,686	5,025
Total current expense									35,404	25,455	30,557
Deferred:
Federal									760	2,615	12,370
State									(1,174)	145	893
Total deferred expense (benefit)									(414)	2,760	13,263
Total income tax expense	$ 5,155	$ 7,941	$ 13,584	$ 8,310	$ 6,685	$ 8,956	$ 7,451	$ 5,123	$ 34,990	$ 28,215	$ 43,820

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating Loss Carryforwards [Line Items]
Tax reform, provisional income tax expense			$ 10,400,000
Tax reform, change in tax rate, provisional income tax expense			4,500,000
Annual limitation on deferred tax asset	$ 6,800,000
Deferred tax assets, state operating loss carryforwards	11,800,000	$ 9,400,000
Valuation allowance	12,379,000	12,125,000
Tax credits	6,860,000	4,085,000	2,390,000
Investment in low-income housing	6,100,000	6,900,000	7,800,000
Unrecognized tax benefits	657,000	611,000
Unrecognized tax benefits, accrued interest and penalties	69,000	66,000
Capital Loss Carryforward
Operating Loss Carryforwards [Line Items]
Valuation allowance	2,300,000	4,000,000
Valuation allowance	(1,900,000)
State and Local Jurisdiction
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	163,700,000	121,100,000
State and Local Jurisdiction | Operating Loss Carryforwards
Operating Loss Carryforwards [Line Items]
Valuation allowance	10,100,000	8,100,000
Solar Energy Tax Credit
Operating Loss Carryforwards [Line Items]
Tax credits	4,000,000	2,900,000	449,000
Historic Rehabilitation Credit
Operating Loss Carryforwards [Line Items]
Tax credits	1,800,000	0	713,000
Low-income Housing
Operating Loss Carryforwards [Line Items]
Tax credits	1,100,000	1,200,000	$ 1,200,000
Tax credits, expected utilization, 2020	779,000
Tax credits, expected utilization, 2021	538,000
Tax credits, expected utilization, 2022	538,000
Tax credits, expected utilization, 2023	538,000
Tax credits, expected utilization, 2024	322,000
Tax credits, expected utilization, 2025	86,000
Tax credits, expected utilization, 2026	34,000
FSI
Operating Loss Carryforwards [Line Items]
Deferred tax assets, federal operating loss carryforwards	6,700,000	5,100,000
FSI | Federal
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	$ 31,900,000	$ 24,400,000

Income Taxes (Deferred Tax Asse

Income Taxes (Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Tax effect of net unrealized loss on securities carried at fair value reflected in stockholders’ equity	$ 0	$ 11,148
Tax effect of net unrealized loss on derivatives reflected in stockholders’ equity	563	0
Allowance for loan losses	17,686	16,682
Deferred compensation	8,071	7,042
Organization and acquisitions costs	337	319
Net operating loss carryforwards	18,459	14,495
Non-accrual loan interest	853	863
OREO write-downs	921	1,469
Tax credit projects	4,252	5,254
Other	2,643	1,961
Gross deferred tax assets	53,785	59,233
Valuation allowance	(12,379)	(12,125)
Gross deferred tax assets	41,406	47,108
Deferred tax liabilities:
Tax effect of net unrealized gain on securities carried at fair value reflected in stockholders’ equity	(279)	0
Tax effect of net unrealized gain on derivatives reflected in stockholders’ equity	0	(160)
Securities	(4,240)	(2,332)
Premises, furniture and equipment	(6,232)	(6,514)
Tax bad debt reserves	(422)	(427)
Purchase accounting	(7,824)	(6,339)
Prepaid expenses	(2,176)	(203)
Servicing rights	(1,421)	(7,933)
Deferred loan fees	(3,342)	(3,321)
Other	(1,870)	(380)
Gross deferred tax liabilities	(27,806)	(27,609)
Net deferred tax asset	$ 13,600	$ 19,499

Income Taxes (Effective Income

Income Taxes (Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Computed "expected" tax on net income									$ 38,665	$ 30,495	$ 41,682
Increase (decrease) resulting from:
Nontaxable interest income									(3,281)	(4,423)	(9,282)
State income taxes, net of federal tax benefit									8,509	6,976	3,846
Tax credits									(6,860)	(4,085)	(2,390)
Valuation allowance									(1,648)	23	405
Excess tax benefit on stock compensation									(229)	(657)	(1,130)
Deferred tax adjustment due to Tax Cuts and Jobs Act enactment									0	0	10,396
Other									(166)	(114)	293
Total income tax expense	$ 5,155	$ 7,941	$ 13,584	$ 8,310	$ 6,685	$ 8,956	$ 7,451	$ 5,123	$ 34,990	$ 28,215	$ 43,820
Effective tax rates									19.00%	19.40%	36.80%

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Payment Arrangement [Abstract]
Employer matching contribution, percent	3.00%	3.00%	3.00%
Contributions by employer	$ 3.9	$ 3.5	$ 3.3
Cost recognized	$ 4.8	$ 4	$ 4.1

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Commitments to Extend Credit) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)request	Dec. 31, 2018USD ($)request
Long-term Credit Commitments [Line Items]
Residential mortgage loans, repurchase obligation amount	$ 313	$ 313
Number of repurchase requests | request	0	0
Reserve for Off-balance Sheet Activities
Long-term Credit Commitments [Line Items]
Reserve for unfunded commitments	$ 248	$ 172
Commitments to Extend Credit
Long-term Credit Commitments [Line Items]
Commitments to extend credit, amount	2,970,000	2,470,000
Standby Letters of Credit
Long-term Credit Commitments [Line Items]
Commitments to extend credit, amount	$ 79,500	$ 71,900

Stock-based Compensation (Narra

Stock-based Compensation (Narrative) (Details) - USD ($)	Jan. 02, 2020	Jan. 04, 2019	Jan. 02, 2018	May 31, 2016	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Excess tax benefit related to share-based payment awards							$ 266,000	$ 674,000
Number of options granted (in shares)							0	0	0
Typical options expiration period after date of grant							10 years
Fair value of shares under vested stock options and awards							$ 0
Cash received from options exercised							$ 0	$ 121,000
Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares of stock awarded for services performed (in shares)							37,544	36,462	17,106
Period One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods							3 years
Period Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods							4 years
Period Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods							5 years
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award service periods							5 years
Share-based compensation costs							$ 0	$ 0	$ 0
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation costs							$ 5,800,000	$ 4,400,000	$ 3,200,000
Equity instruments other than options, granted (in shares)					90,073	52,153
Number of shares of stock awarded for services performed (in shares)							162,465	123,711	109,373
Performance-based RSUs | Period One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods						1 year	1 year
Equity instruments other than options, granted (in shares)						18,988	0
Performance-based RSUs | Period Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods						3 years	3 years
Equity instruments other than options, granted (in shares)					34,848	16,108
Long-Term Incentive Plan 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for issuance (in shares)							348,140
Long-Term Incentive Plan 2012 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based unrecognized compensation costs							$ 4,900,000
Long-Term Incentive Plan 2012 | Performance-based RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, vesting percentage after change in control							100.00%
ESPP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for issuance (in shares)							412,521
Share-based compensation costs							$ 222,000	$ 91,000	$ 153,000
Maximum number of shares issuable (in shares)				500,000
Stocks purchased under the plan (in shares)		32,331	22,903
ESPP | Subsequent Event
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stocks purchased under the plan (in shares)	32,179
ESPP | Fair Market Value at Investment Date
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of common stock, percent				95.00%
2016 RSUs | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, award vesting periods								3 years
2017 RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, period before change in control							6 months
2017 RSUs | Long-Term Incentive Plan 2012 | Performance-based RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, vesting percentage after change in control							100.00%
Share-based compensation, vesting period after change in control							24 months

Stock-based Compensation (Summa

Stock-based Compensation (Summary of Stock Options Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares
Outstanding at beginning of period (in shares)	0	6,500	26,400
Granted (in shares)	0	0	0
Exercised (in shares)	0	(6,500)	(19,400)
Forfeited (in shares)	0	0	(500)
Outstanding at end of period (in shares)	0	0	6,500
Options exercisable at end of period (in shares)	0	0	6,500
Weighted-Average Exercise Price
Outstanding at beginning of period (in dollars per share)	$ 0	$ 18.60	$ 18.60
Granted (in dollars per share)	0	0	0
Exercised (in dollars per share)	0	18.60	18.60
Forfeited (in dollars per share)	0	0	18.60
Outstanding at end of period (in dollars per share)	0	0	18.60
Options exercisable at end of period (in dollars per share)	$ 0	$ 0	$ 18.60

Stock-based Compensation (Sum_2

Stock-based Compensation (Summary of RSUs Activity) (Details) - RSUs - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares
Outstanding at beginning of period (in shares)	266,995	301,578	346,817
Granted (in shares)	162,465	123,711	109,373
Vested (in shares)	(148,158)	(127,744)	(137,394)
Forfeited (in shares)	(26,919)	(30,550)	(17,218)
Outstanding at end of period (in shares)	254,383	266,995	301,578
Weighted-Average Grant Date Fair Value
Outstanding at beginning of period (in dollars per share)	$ 43.89	$ 34.74	$ 27.61
Granted (in dollars per share)	45.09	55.13	47.22
Vested (in dollars per share)	39.27	32.73	26.66
Forfeited (in dollars per share)	49.20	45.69	34.02
Outstanding at end of period (in dollars per share)	$ 46.76	$ 43.89	$ 34.74

Stockholder Rights Plan (Detail

Stockholder Rights Plan (Details)	Jan. 17, 2012votes$ / shares	Dec. 31, 2019$ / sharesshares	Dec. 31, 2018$ / sharesshares	Dec. 31, 2002$ / sharesshares
Temporary Equity [Line Items]
Original Rights Agreement, extended term	10 years
Ratio of preferred stock that can be purchased per right	0.001
Preferred stock, dividend rate (in dollars per share)	$ 1
Dividends, preferred stock, common share equivalents per share	1,000
Liquidation value per share (in dollars per share)	1,000
Preferred stock, liquidation preference per share of common stock	$ 1,000
Preferred stock, number of voting rights | votes	1,000
Distribution date	10 days
Common stock shares, market value as a percentage of purchase price	2
Minimum
Temporary Equity [Line Items]
Beneficial ownership, percentage	15.00%
Series A Preferred Stock
Temporary Equity [Line Items]
Preferred stock, par value (in dollars per share)	$ 1	$ 1	$ 1	$ 1
Preferred stock, redemption price (in dollars per share)	$ 70,000
Preferred stock, shares authorized (in shares) | shares		16,000	16,000	16,000
Preferred stock, shares issued (in shares) | shares		0	0
Preferred stock, shares outstanding (in shares) | shares		0	0

Regulatory Capital Requiremen_3

Regulatory Capital Requirements and Restrictions on Subsidiary Dividends (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 1,388,511	$ 1,200,947
Actual - Ratio	13.75%	13.72%
For Capital Adequacy Purposes - Amount	$ 807,881	$ 700,490
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 1,243,582	$ 1,064,669
Actual - Ratio	12.31%	12.16%
For Capital Adequacy Purposes - Amount	$ 605,911	$ 525,368
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 1,098,428	$ 933,755
Actual - Ratio	10.88%	10.66%
For Capital Adequacy Purposes - Amount	$ 454,433	$ 394,026
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 1,243,582	$ 1,064,669
Actual - Ratio	10.10%	9.73%
For Capital Adequacy Purposes - Amount	$ 492,725	$ 437,858
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
Minimum Capital Requirement
Tier 1 Capital (to Average Assets)
Retained earnings available for dividend payments	$ 533,900
Capital Requirement to Remain Well Capitalized
Tier 1 Capital (to Average Assets)
Retained earnings available for dividend payments	331,500
Dubuque Bank and Trust Company
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 168,959	$ 165,687
Actual - Ratio	14.55%	14.10%
For Capital Adequacy Purposes - Amount	$ 92,872	$ 93,975
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 116,090	$ 117,469
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 159,579	$ 155,391
Actual - Ratio	13.75%	13.23%
For Capital Adequacy Purposes - Amount	$ 69,654	$ 70,482
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 92,872	$ 93,975
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 159,579	$ 155,391
Actual - Ratio	13.75%	13.23%
For Capital Adequacy Purposes - Amount	$ 52,241	$ 52,861
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 75,459	$ 76,355
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 159,579	$ 155,391
Actual - Ratio	9.83%	9.97%
For Capital Adequacy Purposes - Amount	$ 64,961	$ 62,317
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 81,202	$ 77,897
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Illinois Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 107,678	$ 74,657
Actual - Ratio	10.54%	13.02%
For Capital Adequacy Purposes - Amount	$ 81,731	$ 45,884
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 102,164	$ 57,355
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 103,011	$ 70,470
Actual - Ratio	10.08%	12.29%
For Capital Adequacy Purposes - Amount	$ 61,298	$ 34,413
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 81,731	$ 45,884
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 103,011	$ 70,470
Actual - Ratio	10.08%	12.29%
For Capital Adequacy Purposes - Amount	$ 45,974	$ 25,810
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 66,407	$ 37,281
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 103,011	$ 70,470
Actual - Ratio	10.26%	8.56%
For Capital Adequacy Purposes - Amount	$ 40,144	$ 32,941
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 50,180	$ 41,177
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Wisconsin Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 117,355	$ 115,318
Actual - Ratio	14.13%	13.90%
For Capital Adequacy Purposes - Amount	$ 66,431	$ 66,351
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 83,039	$ 82,939
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 109,939	$ 108,193
Actual - Ratio	13.24%	13.04%
For Capital Adequacy Purposes - Amount	$ 49,824	$ 49,763
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 66,431	$ 66,351
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 109,939	$ 108,193
Actual - Ratio	13.24%	13.04%
For Capital Adequacy Purposes - Amount	$ 37,368	$ 37,323
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 53,976	$ 53,910
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 109,939	$ 108,193
Actual - Ratio	10.76%	10.47%
For Capital Adequacy Purposes - Amount	$ 40,863	$ 41,317
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 51,078	$ 51,647
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
New Mexico Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 157,555	$ 150,261
Actual - Ratio	12.33%	12.92%
For Capital Adequacy Purposes - Amount	$ 102,193	$ 93,063
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 127,741	$ 116,328
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 148,227	$ 141,161
Actual - Ratio	11.60%	12.13%
For Capital Adequacy Purposes - Amount	$ 76,645	$ 69,797
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 102,193	$ 93,063
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 148,227	$ 141,161
Actual - Ratio	11.60%	12.13%
For Capital Adequacy Purposes - Amount	$ 57,484	$ 52,348
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 83,032	$ 75,613
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 148,227	$ 141,161
Actual - Ratio	9.11%	9.58%
For Capital Adequacy Purposes - Amount	$ 65,076	$ 58,958
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 81,345	$ 73,697
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Arizona Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 75,498	$ 63,606
Actual - Ratio	11.19%	11.90%
For Capital Adequacy Purposes - Amount	$ 53,982	$ 42,766
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 67,477	$ 53,458
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 69,648	$ 59,993
Actual - Ratio	10.32%	11.22%
For Capital Adequacy Purposes - Amount	$ 40,486	$ 32,075
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 53,982	$ 42,766
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 69,648	$ 59,993
Actual - Ratio	10.32%	11.22%
For Capital Adequacy Purposes - Amount	$ 30,365	$ 24,056
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 43,860	$ 34,748
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 69,648	$ 59,993
Actual - Ratio	9.87%	9.20%
For Capital Adequacy Purposes - Amount	$ 28,235	$ 26,089
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 35,293	$ 32,611
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Rocky Mountain Bank
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 53,266	$ 51,982
Actual - Ratio	13.80%	14.26%
For Capital Adequacy Purposes - Amount	$ 30,868	$ 29,160
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 38,585	$ 36,449
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 48,692	$ 48,428
Actual - Ratio	12.62%	13.29%
For Capital Adequacy Purposes - Amount	$ 23,151	$ 21,870
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 30,868	$ 29,160
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 48,692	$ 48,428
Actual - Ratio	12.62%	13.29%
For Capital Adequacy Purposes - Amount	$ 17,363	$ 16,402
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 25,080	$ 23,692
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 48,692	$ 48,428
Actual - Ratio	9.22%	9.82%
For Capital Adequacy Purposes - Amount	$ 21,132	$ 19,730
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 26,415	$ 24,662
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Citywide Banks
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 240,735	$ 235,691
Actual - Ratio	13.88%	13.46%
For Capital Adequacy Purposes - Amount	$ 138,704	$ 140,117
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 173,380	$ 175,146
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 231,085	$ 226,645
Actual - Ratio	13.33%	12.94%
For Capital Adequacy Purposes - Amount	$ 104,028	$ 105,088
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 138,704	$ 140,117
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 231,085	$ 226,645
Actual - Ratio	13.33%	12.94%
For Capital Adequacy Purposes - Amount	$ 78,021	$ 78,816
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 112,697	$ 113,845
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 231,085	$ 226,645
Actual - Ratio	10.66%	10.53%
For Capital Adequacy Purposes - Amount	$ 86,732	$ 86,129
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 108,416	$ 107,662
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Minnesota Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 76,400	$ 69,002
Actual - Ratio	13.50%	12.99%
For Capital Adequacy Purposes - Amount	$ 45,260	$ 42,493
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 56,575	$ 53,117
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 70,235	$ 63,633
Actual - Ratio	12.41%	11.98%
For Capital Adequacy Purposes - Amount	$ 33,945	$ 31,870
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 45,260	$ 42,493
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 70,235	$ 63,633
Actual - Ratio	12.41%	11.98%
For Capital Adequacy Purposes - Amount	$ 25,459	$ 23,903
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 36,774	$ 34,526
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 70,235	$ 63,633
Actual - Ratio	10.51%	10.00%
For Capital Adequacy Purposes - Amount	$ 26,740	$ 25,445
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 33,426	$ 31,806
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%
Bank of Blue Valley
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 145,256	$ 72,520
Actual - Ratio	14.50%	16.14%
For Capital Adequacy Purposes - Amount	$ 80,153	$ 35,937
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 100,191	$ 44,922
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 140,195	$ 67,975
Actual - Ratio	13.99%	15.13%
For Capital Adequacy Purposes - Amount	$ 60,115	$ 26,953
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 80,153	$ 35,937
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 140,195	$ 67,975
Actual - Ratio	13.99%	15.13%
For Capital Adequacy Purposes - Amount	$ 45,086	$ 20,215
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 65,124	$ 29,199
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 140,195	$ 67,975
Actual - Ratio	11.07%	11.31%
For Capital Adequacy Purposes - Amount	$ 50,638	$ 24,041
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 63,297	$ 30,052
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
Premier Valley Bank
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 91,257	$ 85,710
Actual - Ratio	13.21%	13.71%
For Capital Adequacy Purposes - Amount	$ 55,273	$ 50,017
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 69,091	$ 62,521
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 87,335	$ 82,321
Actual - Ratio	12.64%	13.17%
For Capital Adequacy Purposes - Amount	$ 41,455	$ 37,513
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 55,273	$ 50,017
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 87,335	$ 82,321
Actual - Ratio	12.64%	13.17%
For Capital Adequacy Purposes - Amount	$ 31,091	$ 28,134
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 44,909	$ 40,639
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 87,335	$ 82,321
Actual - Ratio	10.43%	10.53%
For Capital Adequacy Purposes - Amount	$ 33,487	$ 31,285
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 41,859	$ 39,106
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%
First Bank & Trust
Total Capital (to Risk-Weighted Assets)
Actual - Amount	$ 109,545	$ 102,795
Actual - Ratio	14.11%	13.48%
For Capital Adequacy Purposes - Amount	$ 62,128	$ 61,004
For Capital Adequacy Purposes - Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action - Amount	$ 77,660	$ 76,255
To Be Well Capitalized Under Prompt Corrective Action - Ratio	10.00%	10.00%
Tier 1 Capital (to Risk-Weighted Assets)
Actual - Amount	$ 104,914	$ 100,884
Actual - Ratio	13.51%	13.23%
For Capital Adequacy Purposes - Amount	$ 46,596	$ 45,753
For Capital Adequacy Purposes - Ratio	6.00%	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 62,128	$ 61,004
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	8.00%	8.00%
Common Equity Tier 1 (to Risk-Weighted Assets)
Actual - Amount	$ 104,914	$ 100,884
Actual - Ratio	13.51%	13.23%
For Capital Adequacy Purposes - Amount	$ 34,947	$ 34,315
For Capital Adequacy Purposes - Ratio	4.50%	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 50,479	$ 49,566
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual - Amount	$ 104,914	$ 100,884
Actual - Ratio	10.25%	10.13%
For Capital Adequacy Purposes - Amount	$ 40,941	$ 39,846
For Capital Adequacy Purposes - Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions - Amount	$ 51,177	$ 49,807
To Be Well Capitalized Under Prompt Corrective Action Provisions - Ratio	5.00%	5.00%

Fair Value (Fair Value Measurem

Fair Value (Fair Value Measurement Recurring) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 3,294,361
Equity securities with a readily determinable fair value	18,435	$ 17,086
U.S. government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,893	31,951
Mortgage and asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	2,577,278	2,026,698
Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	707,190	374,974
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	8,503	25,414
Derivative financial instruments	0	0
Derivative liabilities	0	0
Level 1 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Level 1 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Derivative liabilities	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	3,304,293	2,425,295
Derivative financial instruments	17,527	6,539
Derivative liabilities	21,462	6,044
Level 2 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Level 2 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	15	0
Derivative liabilities	113	399
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Derivative financial instruments	0	0
Derivative liabilities	0	0
Level 3 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	681	725
Level 3 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Derivative liabilities	0	0
Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	3,331,019	2,457,973
Total liabilities at fair value	21,575	6,443
Recurring Basis | U.S. government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,893	31,951
Recurring Basis | Mortgage and asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	2,577,278	2,026,698
Recurring Basis | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	707,190	374,974
Recurring Basis | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities with a readily determinable fair value	18,435	17,086
Recurring Basis | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	17,527	6,539
Recurring Basis | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	681	725
Recurring Basis | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	15	0
Derivative liabilities	113	399
Recurring Basis | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	21,462	6,044
Recurring Basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	8,503	25,414
Total liabilities at fair value	0	0
Recurring Basis | Level 1 | U.S. government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	8,503	25,414
Recurring Basis | Level 1 | Mortgage and asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Recurring Basis | Level 1 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Recurring Basis | Level 1 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities with a readily determinable fair value	0	0
Recurring Basis | Level 1 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Recurring Basis | Level 1 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Recurring Basis | Level 1 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Derivative liabilities	0	0
Recurring Basis | Level 1 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring Basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	3,321,835	2,431,834
Total liabilities at fair value	21,575	6,443
Recurring Basis | Level 2 | U.S. government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	1,390	6,537
Recurring Basis | Level 2 | Mortgage and asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	2,577,278	2,026,698
Recurring Basis | Level 2 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	707,190	374,974
Recurring Basis | Level 2 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities with a readily determinable fair value	18,435	17,086
Recurring Basis | Level 2 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	17,527	6,539
Recurring Basis | Level 2 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Recurring Basis | Level 2 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	15	0
Derivative liabilities	113	399
Recurring Basis | Level 2 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	21,462	6,044
Recurring Basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	681	725
Total liabilities at fair value	0	0
Recurring Basis | Level 3 | U.S. government corporations and agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Recurring Basis | Level 3 | Mortgage and asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Recurring Basis | Level 3 | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Recurring Basis | Level 3 | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities with a readily determinable fair value	0	0
Recurring Basis | Level 3 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Recurring Basis | Level 3 | Interest rate lock commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	681	725
Recurring Basis | Level 3 | Forward commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Derivative liabilities	0	0
Recurring Basis | Level 3 | Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	$ 0	$ 0

Fair Value (Fair Value Measur_2

Fair Value (Fair Value Measurement Non-recurring) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Benefit to provision for loan losses	$ (4,903)	$ (5,201)	$ (4,918)	$ (1,635)	$ (9,681)	$ (5,238)	$ (4,831)	$ (4,263)	$ (16,657)	$ (24,013)	$ (15,563)
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0				0				0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	26,748				52,577				26,748	52,577
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0				67,224				0	67,224
Nonrecurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	36,464				25,509				36,464	25,509
Loans held for sale	26,748				119,801				26,748	119,801
Other real estate owned	6,914				6,153				6,914	6,153
Premises, furniture and equipment held for sale	2,967				7,258				2,967	7,258
Nonrecurring Basis | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	2,450				1,307				2,450	1,307
Loans held for sale	(980)				(1,870)				(980)	(1,870)
Other real estate owned	947				2,647				947	2,647
Premises, furniture and equipment held for sale	735				59				735	59
Nonrecurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Loans held for sale	0				0				0	0
Other real estate owned	0				0				0	0
Premises, furniture and equipment held for sale	0				0				0	0
Nonrecurring Basis | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Loans held for sale	26,748				52,577				26,748	52,577
Other real estate owned	0				0				0	0
Premises, furniture and equipment held for sale	0				0				0	0
Nonrecurring Basis | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	36,464				25,509				36,464	25,509
Loans held for sale	0				67,224				0	67,224
Other real estate owned	6,914				6,153				6,914	6,153
Premises, furniture and equipment held for sale	2,967				7,258				2,967	7,258
Benefit to provision for loan losses										953
Nonrecurring Basis | Commercial Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing rights	5,621				7,143				5,621	7,143
Nonrecurring Basis | Commercial Servicing Rights | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing rights	911				58				911	58
Nonrecurring Basis | Commercial Servicing Rights | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing rights	0				0				0	0
Nonrecurring Basis | Commercial Servicing Rights | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing rights	0				0				0	0
Nonrecurring Basis | Commercial Servicing Rights | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing rights	5,621				7,143				5,621	7,143
Nonrecurring Basis | Commercial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	15,173				12,932				15,173	12,932
Nonrecurring Basis | Commercial | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	1,114				660				1,114	660
Nonrecurring Basis | Commercial | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Commercial | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Commercial | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	15,173				12,932				15,173	12,932
Nonrecurring Basis | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	4,592				405				4,592	405
Nonrecurring Basis | Commercial Real Estate | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	72				72				72	72
Nonrecurring Basis | Commercial Real Estate | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Commercial Real Estate | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Commercial Real Estate | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	4,592				405				4,592	405
Nonrecurring Basis | Agricultural and Agricultural Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	12,623				11,070				12,623	11,070
Nonrecurring Basis | Agricultural and Agricultural Real Estate | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	1,254				575				1,254	575
Nonrecurring Basis | Agricultural and Agricultural Real Estate | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Agricultural and Agricultural Real Estate | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Agricultural and Agricultural Real Estate | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	12,623				11,070				12,623	11,070
Nonrecurring Basis | Residential Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	3,088				478				3,088	478
Nonrecurring Basis | Residential Real Estate | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	10				0				10	0
Nonrecurring Basis | Residential Real Estate | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Residential Real Estate | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Residential Real Estate | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	3,088				478				3,088	478
Nonrecurring Basis | Consumer
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	988				624				988	624
Nonrecurring Basis | Consumer | (Gains)/Losses
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Consumer | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Consumer | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0				0				0	0
Nonrecurring Basis | Consumer | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 988				$ 624				$ 988	$ 624

Fair Value (Quantitative Inform

Fair Value (Quantitative Information About Level 3 Fair Value Measurements) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Recurring Basis | Interest rate lock commitments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative financial instruments	$ 681	$ 725
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale	0	67,224
Derivative financial instruments	0	0
Level 3 | Interest rate lock commitments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative financial instruments	681	725
Level 3 | Recurring Basis | Interest rate lock commitments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative financial instruments	681	725
Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale		67,224
Servicing rights	$ 5,621	7,143
Valuation Technique, Discounted Cash Flow | Level 3 | Interest rate lock commitments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative financial instruments		$ 725
Valuation Technique, Discounted Cash Flow | Level 3 | Interest rate lock commitments | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input		0
Valuation Technique, Discounted Cash Flow | Level 3 | Interest rate lock commitments | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input		0.99
Valuation Technique, Discounted Cash Flow | Measurement Input, Closing Ratio | Level 3 | Interest rate lock commitments | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	0.90	0.91
Valuation Technique, Discounted Cash Flow | Measurement Input, Closing Ratio | Level 3 | Interest rate lock commitments | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	0
Valuation Technique, Discounted Cash Flow | Measurement Input, Closing Ratio | Level 3 | Interest rate lock commitments | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	0.99
Valuation Technique, Modified Appraised Value | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned	$ 6,914	$ 6,153
Valuation Technique, Modified Appraised Value | Level 3 | Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	15,173	12,932
Valuation Technique, Modified Appraised Value | Level 3 | Commercial Real Estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	4,592	405
Valuation Technique, Modified Appraised Value | Level 3 | Agricultural and Agricultural Real Estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	12,623	11,070
Valuation Technique, Modified Appraised Value | Level 3 | Residential Real Estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	3,088	478
Valuation Technique, Modified Appraised Value | Level 3 | Consumer
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	988	624
Valuation Technique, Modified Appraised Value | Level 3 | Recurring Basis | Premises, Furniture and Equipment Held for Sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Premises, furniture and equipment held for sale	$ 2,967	$ 7,258
Valuation Technique, Modified Appraised Value | Measurement Input, Appraised Value | Level 3 | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Measurement Input, Appraised Value | Level 3 | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	10.00%	10.00%
Valuation Technique, Modified Appraised Value | Measurement Input, Appraised Value | Level 3 | Premises, Furniture and Equipment Held for Sale | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Measurement Input, Appraised Value | Level 3 | Premises, Furniture and Equipment Held for Sale | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	10.00%	10.00%
Valuation Technique, Modified Appraised Value | Residential Real Estate | Measurement Input, Appraised Value | Level 3 | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Residential Real Estate | Measurement Input, Appraised Value | Level 3 | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	25.00%	24.00%
Valuation Technique, Modified Appraised Value | Consumer | Measurement Input, Discount Rate | Level 3 | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Consumer | Measurement Input, Discount Rate | Level 3 | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	10.00%	14.00%
Valuation Technique, Modified Appraised Value | Commercial | Measurement Input, Appraised Value | Level 3 | Commercial | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Commercial | Measurement Input, Appraised Value | Level 3 | Commercial | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	25.00%	8.00%
Valuation Technique, Modified Appraised Value | Commercial | Measurement Input, Appraised Value | Level 3 | Commercial real estate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%	0.00%
Valuation Technique, Modified Appraised Value | Commercial | Measurement Input, Appraised Value | Level 3 | Commercial real estate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	14.00%	19.00%
Valuation Technique, Modified Appraised Value | Agricultural and Agricultural Real Estate | Measurement Input, Appraised Value | Level 3 | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	0.00%
Valuation Technique, Modified Appraised Value | Agricultural and Agricultural Real Estate | Measurement Input, Appraised Value | Level 3 | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Pretax discount rate (percent)	15.00%	24.00%
Interest rate lock commitments | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative financial instruments	$ 681

Fair Value (Changes Level 3 Ass

Fair Value (Changes Level 3 Assets (Fair Value, Recurring)) (Details) - Interest rate lock commitments - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	$ 725	$ 1,738
Acquired interest rate lock commitments	0	1,383
Total gains (losses), net, included in earnings	18	(3,269)
Issuances	10,702	2,962
Settlements	(10,764)	(2,089)
Balance at end of period	$ 681	$ 725

Fair Value (Estimated Fair Valu

Fair Value (Estimated Fair Value Financial Instruments (Including Carrying Amounts)) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financial assets:
Carried at fair value	$ 3,294,361
Held to maturity	100,484	$ 245,341
Financial liabilities:
Deposits held for sale	0	106,409
Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	378,734	273,630
Time deposits in other financial institutions	3,564	4,672
Carried at fair value	8,503	25,414
Held to maturity	0	0
Other investments	0	0
Loans held for sale	0	0
Loans, net	0	0
Cash surrender value on life insurance	0	0
Derivatives	0	0
Financial liabilities:
Deposits held for sale		0
Short term borrowings	0	0
Other borrowings	0	0
Derivatives	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate lock commitments
Financial assets:
Derivatives	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Forward commitments
Financial assets:
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Demand deposits
Financial liabilities:
Deposits	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Savings deposits
Financial liabilities:
Deposits	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Time deposits
Financial liabilities:
Deposits	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial | Commercial
Financial assets:
Loans, net	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial | Commercial real estate
Financial assets:
Loans, net	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Agricultural and agricultural real estate
Financial assets:
Loans, net	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential real estate
Financial assets:
Loans, net	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Consumer
Financial assets:
Loans, net	0	0
Significant Other Observable Inputs (Level 2)
Financial assets:
Cash and cash equivalents	0	0
Time deposits in other financial institutions	0	0
Carried at fair value	3,304,293	2,425,295
Held to maturity	100,484	245,341
Other investments	31,321	28,396
Loans held for sale	26,748	52,577
Loans, net	8,206,879	7,236,960
Cash surrender value on life insurance	171,625	162,892
Derivatives	17,527	6,539
Financial liabilities:
Deposits held for sale		0
Short term borrowings	182,626	227,010
Other borrowings	278,169	276,966
Derivatives	21,462	6,044
Significant Other Observable Inputs (Level 2) | Interest rate lock commitments
Financial assets:
Derivatives	0	0
Significant Other Observable Inputs (Level 2) | Forward commitments
Financial assets:
Derivatives	15	0
Financial liabilities:
Derivatives	113	399
Significant Other Observable Inputs (Level 2) | Demand deposits
Financial liabilities:
Deposits	3,543,863	3,264,737
Significant Other Observable Inputs (Level 2) | Savings deposits
Financial liabilities:
Deposits	6,307,425	5,107,962
Significant Other Observable Inputs (Level 2) | Time deposits
Financial liabilities:
Deposits	1,193,043	1,023,730
Significant Other Observable Inputs (Level 2) | Commercial | Commercial
Financial assets:
Loans, net	2,327,906	1,942,675
Significant Other Observable Inputs (Level 2) | Commercial | Commercial real estate
Financial assets:
Loans, net	4,328,420	3,666,733
Significant Other Observable Inputs (Level 2) | Agricultural and agricultural real estate
Financial assets:
Loans, net	516,034	542,042
Significant Other Observable Inputs (Level 2) | Residential real estate
Financial assets:
Loans, net	585,094	654,118
Significant Other Observable Inputs (Level 2) | Consumer
Financial assets:
Loans, net	449,425	431,392
Significant Unobservable Inputs (Level 3)
Financial assets:
Cash and cash equivalents	0	0
Time deposits in other financial institutions	0	0
Carried at fair value	0	0
Held to maturity	0	0
Other investments	0	0
Loans held for sale	0	67,224
Loans, net	36,464	25,509
Cash surrender value on life insurance	0	0
Derivatives	0	0
Financial liabilities:
Deposits held for sale		100,241
Short term borrowings	0	0
Other borrowings	0	0
Derivatives	0	0
Significant Unobservable Inputs (Level 3) | Interest rate lock commitments
Financial assets:
Derivatives	681	725
Significant Unobservable Inputs (Level 3) | Forward commitments
Financial assets:
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Significant Unobservable Inputs (Level 3) | Demand deposits
Financial liabilities:
Deposits	0	0
Significant Unobservable Inputs (Level 3) | Savings deposits
Financial liabilities:
Deposits	0	0
Significant Unobservable Inputs (Level 3) | Time deposits
Financial liabilities:
Deposits	0	0
Significant Unobservable Inputs (Level 3) | Commercial | Commercial
Financial assets:
Loans, net	15,173	12,932
Significant Unobservable Inputs (Level 3) | Commercial | Commercial real estate
Financial assets:
Loans, net	4,592	405
Significant Unobservable Inputs (Level 3) | Agricultural and agricultural real estate
Financial assets:
Loans, net	12,623	11,070
Significant Unobservable Inputs (Level 3) | Residential real estate
Financial assets:
Loans, net	3,088	478
Significant Unobservable Inputs (Level 3) | Consumer
Financial assets:
Loans, net	988	624
Carrying Amount
Financial assets:
Cash and cash equivalents	378,734	273,630
Time deposits in other financial institutions	3,564	4,672
Carried at fair value	3,312,796	2,450,709
Held to maturity	91,324	236,283
Other investments	31,321	28,396
Loans held for sale	26,748	119,801
Loans, net	8,297,522	7,345,734
Cash surrender value on life insurance	171,625	162,892
Derivatives	17,527	6,539
Financial liabilities:
Deposits held for sale		106,409
Short term borrowings	182,626	227,010
Other borrowings	275,773	274,905
Derivatives	21,462	6,044
Carrying Amount | Interest rate lock commitments
Financial assets:
Derivatives	681	725
Carrying Amount | Forward commitments
Financial assets:
Derivatives	0	0
Financial liabilities:
Derivatives	113	399
Carrying Amount | Demand deposits
Financial liabilities:
Deposits	3,543,863	3,264,737
Carrying Amount | Savings deposits
Financial liabilities:
Deposits	6,307,425	5,107,962
Carrying Amount | Time deposits
Financial liabilities:
Deposits	1,193,043	1,023,730
Deposits held for sale		106,400
Carrying Amount | Commercial | Commercial
Financial assets:
Loans, net	2,390,254	1,994,785
Carrying Amount | Commercial | Commercial real estate
Financial assets:
Loans, net	4,336,355	3,684,213
Carrying Amount | Agricultural and agricultural real estate
Financial assets:
Loans, net	528,195	561,265
Carrying Amount | Residential real estate
Financial assets:
Loans, net	595,331	670,473
Carrying Amount | Consumer
Financial assets:
Loans, net	447,387	434,998
Estimated Fair Value
Financial assets:
Cash and cash equivalents	378,734	273,630
Time deposits in other financial institutions	3,564	4,672
Carried at fair value	3,312,796	2,450,709
Held to maturity	100,484	245,341
Other investments	31,321	28,396
Loans held for sale	26,748	119,801
Loans, net	8,243,343	7,262,469
Cash surrender value on life insurance	171,625	162,892
Derivatives	17,527	6,539
Financial liabilities:
Deposits held for sale		100,241
Short term borrowings	182,626	227,010
Other borrowings	278,169	276,966
Derivatives	21,462	6,044
Estimated Fair Value | Interest rate lock commitments
Financial assets:
Derivatives	681	725
Estimated Fair Value | Forward commitments
Financial assets:
Derivatives	15	0
Financial liabilities:
Derivatives	113	399
Estimated Fair Value | Demand deposits
Financial liabilities:
Deposits	3,543,863	3,264,737
Estimated Fair Value | Savings deposits
Financial liabilities:
Deposits	6,307,425	5,107,962
Estimated Fair Value | Time deposits
Financial liabilities:
Deposits	1,193,043	1,023,730
Estimated Fair Value | Commercial | Commercial
Financial assets:
Loans, net	2,343,079	1,955,607
Estimated Fair Value | Commercial | Commercial real estate
Financial assets:
Loans, net	4,333,012	3,667,138
Estimated Fair Value | Agricultural and agricultural real estate
Financial assets:
Loans, net	528,657	553,112
Estimated Fair Value | Residential real estate
Financial assets:
Loans, net	588,182	654,596
Estimated Fair Value | Consumer
Financial assets:
Loans, net	$ 450,413	$ 432,016

Revenue (Details)

Revenue (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									$ 75,342	$ 71,612	$ 59,034
Loan servicing income									4,843	7,292	5,636
Securities gains, net (includes $7,659, $1,085, and $6,764 of net security gains reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2019, 2018, and 2017, respectively)									7,659	1,085	6,973
Unrealized gain on equity securities, net									525	212	0
Net gains on sale of loans held for sale									15,555	21,450	22,251
Valuation allowance on servicing rights									911	46	(21)
Income on bank owned life insurance									3,785	2,793	2,772
Other noninterest income									9,410	4,762	5,335
Total noninterest income out-of-scope of Topic 606									40,866	37,548	42,988
TOTAL NONINTEREST INCOME	$ 28,030	$ 29,400	$ 32,061	$ 26,717	$ 27,045	$ 29,765	$ 27,634	$ 24,716	116,208	109,160	102,022
Service charges and fees on deposit accounts
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									12,790	11,291	9,570
Overdraft fees
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									11,543	10,796	9,365
Customer service fees
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									331	330	296
Credit card fee income
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									15,594	11,893	7,968
Debit card income
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									11,899	14,396	11,984
Total service charges and fees
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									52,157	48,706	39,183
Trust fees
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									19,399	18,393	15,818
Brokerage and insurance commissions
Disaggregation of Revenue [Line Items]
Total noninterest income in-scope of Topic 606									$ 3,786	$ 4,513	$ 4,033

Parent Company Only Financial_3

Parent Company Only Financial Information (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets:
Cash and interest bearing deposits	$ 378,734	$ 273,630
Other assets	186,755	114,841
TOTAL ASSETS	13,209,597	11,408,006
Liabilities and stockholders’ equity:
Other borrowings	275,773	274,905
Accrued expenses and other liabilities	128,730	78,078
TOTAL LIABILITIES	11,631,460	10,082,831
Stockholders’ equity:
Common stock	36,704	34,477
Capital surplus	839,857	743,095
Retained earnings	702,502	579,252
Accumulated other comprehensive loss	(926)	(31,649)
TOTAL STOCKHOLDERS' EQUITY	1,578,137	1,325,175	$ 991,457	$ 740,916
TOTAL LIABILITIES AND EQUITY	13,209,597	11,408,006
Parent
Assets:
Cash and interest bearing deposits	61,866	39,666
Investment in subsidiaries	1,765,995	1,538,766
Other assets	49,002	30,321
Due from subsidiaries	0	6,000
TOTAL ASSETS	1,876,863	1,614,753
Liabilities and stockholders’ equity:
Other borrowings	271,046	269,553
Accrued expenses and other liabilities	27,680	20,025
TOTAL LIABILITIES	298,726	289,578
Stockholders’ equity:
Common stock	36,704	34,477
Capital surplus	839,857	743,095
Retained earnings	702,502	579,252
Accumulated other comprehensive loss	(926)	(31,649)
TOTAL STOCKHOLDERS' EQUITY	1,578,137	1,325,175
TOTAL LIABILITIES AND EQUITY	$ 1,876,863	$ 1,614,753

Parent Company Only Financial_4

Parent Company Only Financial Information (Income Statements) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating revenues:
Securities gains, net									$ 7,659	$ 1,085	$ 6,973
Operating expenses:
Interest									80,600	51,866	33,350
Salaries and employee benefits									200,541	196,118	171,407
Professional fees									50,022	43,510	36,474
INCOME BEFORE INCOME TAXES									184,119	145,213	119,092
Income tax benefit	$ (5,155)	$ (7,941)	$ (13,584)	$ (8,310)	$ (6,685)	$ (8,956)	$ (7,451)	$ (5,123)	(34,990)	(28,215)	(43,820)
NET INCOME	37,851	34,612	45,169	31,497	32,141	33,710	27,879	23,268	149,129	116,998	75,272
Preferred dividends					0	(13)	(13)	(13)	0	(39)	(58)
Interest expense on convertible preferred debt									0	0	12
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 37,851	$ 34,612	$ 45,169	$ 31,497	$ 32,141	$ 33,697	$ 27,866	$ 23,255	149,129	116,959	75,226
Parent
Operating revenues:
Dividends from subsidiaries									137,000	85,000	70,850
Securities gains, net									0	0	3,021
Other									893	493	2,292
Total operating revenues									137,893	85,493	76,163
Operating expenses:
Interest									15,044	14,371	13,269
Salaries and employee benefits									4,072	3,639	3,146
Professional fees									3,029	2,841	2,379
Other operating expenses									15,559	12,510	7,889
Total operating expenses									37,704	33,361	26,683
Equity in undistributed earnings									34,307	52,570	16,212
INCOME BEFORE INCOME TAXES									134,496	104,702	65,692
Income tax benefit									14,633	12,296	9,580
NET INCOME									149,129	116,998	75,272
Preferred dividends									0	(39)	(58)
Interest expense on convertible preferred debt									0	0	12
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS									$ 149,129	$ 116,959	$ 75,226

Parent Company Only Financial_5

Parent Company Only Financial Information (Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 37,851	$ 34,612	$ 45,169	$ 31,497	$ 32,141	$ 33,710	$ 27,879	$ 23,268	$ 149,129	$ 116,998	$ 75,272
Adjustments to reconcile net income to net cash provided by operating activities:
Securities gains, net									(7,659)	(1,085)	(6,973)
Gain on extinguishment of debt									(375)	0	(1,280)
Excess tax benefits from stock based compensation									266	674	1,246
Other, net									(34,786)	(8,760)	(14,148)
NET CASH PROVIDED BY OPERATING ACTIVITIES									161,174	242,750	155,930
Cash flows from investing activities:
Repayment of advances from subsidiaries									6,000	0	0
Proceeds from sales of available for sale securities									1,628,467	727,895	1,456,750
Net assets acquired									76,071	212,197	71,089
NET CASH PROVIDED (USED) BY INVESTING ACTIVITIES									(573,970)	(124,220)	27,298
Cash flows from financing activities:
Proceeds on short-term revolving credit line									0	25,000	20,000
Proceeds from other borrowings									50	30,131	0
Repayments on short-term revolving credit line									0	(25,000)	(20,000)
Repayments of other borrowings									(20,693)	(59,157)	(9,645)
Payment for the redemption of debt									(2,125)	0	(13,800)
Cash dividends paid									(24,607)	(19,357)	(14,557)
Purchase of treasury stock									0	(97)	(625)
Proceeds from issuance of common stock									661	489	963
NET CASH PROVIDED (USED) BY FINANCING ACTIVITIES									517,900	(40,903)	(145,949)
Net increase in cash and cash equivalents									105,104	77,627	37,279
Cash and cash equivalents at beginning of year				273,630				196,003	273,630	196,003	158,724
CASH AND CASH EQUIVALENTS AT END OF PERIOD	378,734				273,630				378,734	273,630	196,003
Supplemental disclosure:
Conversion of convertible debt to common stock									0	0	558
Conversion/redemption of Series D preferred stock to common stock									0	938	419
Stock consideration granted for acquisitions									92,258	238,075	175,196
Parent
Cash flows from operating activities:
Net income									149,129	116,998	75,272
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of subsidiaries									(34,307)	(52,570)	(16,212)
Securities gains, net									0	0	(3,021)
Gain on extinguishment of debt									(375)	0	(1,200)
Increase (decrease) in accrued expenses and other liabilities									3,274	5,336	(4,160)
Increase in other assets									(12,248)	(1,559)	(567)
Excess tax benefits from stock based compensation									270	674	1,246
Other, net									4,103	5,401	4,714
NET CASH PROVIDED BY OPERATING ACTIVITIES									109,846	74,280	56,072
Cash flows from investing activities:
Capital contributions to subsidiaries									(46,583)	(30,696)	0
Proceeds from sales of available for sale securities									0	0	2,868
Proceeds from the sale, maturity of and principal paydowns on other investments									0	0	211
Net assets acquired									(594)	(13,504)	(62,813)
NET CASH PROVIDED (USED) BY INVESTING ACTIVITIES									(41,177)	(44,200)	(59,734)
Cash flows from financing activities:
Proceeds on short-term revolving credit line									0	25,000	20,000
Proceeds from other borrowings									0	30,000	0
Repayments on short-term revolving credit line									0	(25,000)	(20,000)
Repayments of other borrowings									(20,023)	(25,759)	(9,016)
Payment for the redemption of debt									(2,500)	0	(13,800)
Cash dividends paid									(24,607)	(19,357)	(14,557)
Purchase of treasury stock									0	(97)	(625)
Proceeds from issuance of common stock									661	489	963
NET CASH PROVIDED (USED) BY FINANCING ACTIVITIES									(46,469)	(14,724)	(37,035)
Net increase in cash and cash equivalents									22,200	15,356	(40,697)
Cash and cash equivalents at beginning of year				$ 39,666				$ 24,310	39,666	24,310	65,007
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$ 61,866				$ 39,666				61,866	39,666	24,310
Supplemental disclosure:
Conversion of convertible debt to common stock									0	0	558
Conversion/redemption of Series D preferred stock to common stock									0	938	419
Stock consideration granted for acquisitions									$ 92,258	$ 238,075	$ 175,196

Leases (Schedule of ROU Assets

Leases (Schedule of ROU Assets and Lease Liabilities) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
Operating lease right-of-use assets	$ 23,200
Operating lease liabilities	$ 24,617

Leases (Schedule of Lease Costs

Leases (Schedule of Lease Costs and Supplemental Information) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Lease Cost
Operating lease cost	$ 6,031
Variable lease cost	145
Total lease cost	6,176
Supplemental Information
Noncash reduction of ROU assets arising from lease modifications	1,771
Noncash reduction lease liabilities arising from lease modifications	$ 1,789
Supplemental balance sheet information
Weighted-average remaining operating lease term (in years)	6 years 7 months 9 days
Weighted-average discount rate for operating leases	3.00%

Leases (Schedule of Minimum Pay

Leases (Schedule of Minimum Payments for Operating Leases) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2020	$ 5,661
2021	5,408
2022	4,076
2023	2,723
2024	2,015
Thereafter	7,300
Total lease payments	27,183
Less interest	(2,566)
Operating lease liabilities	$ 24,617
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2019		$ 5,776
2020		5,493
2021		5,102
2022		3,241
2023		2,297
Thereafter		12,419
Total		$ 34,328

Summary of Quarterly Financia_3

Summary of Quarterly Financial Information (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Net interest income	$ 112,745	$ 111,321	$ 106,708	$ 102,955	$ 110,283	$ 110,678	$ 101,409	$ 91,584	$ 433,729	$ 413,954	$ 330,308
Provision for loan losses	4,903	5,201	4,918	1,635	9,681	5,238	4,831	4,263	16,657	24,013	15,563
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	107,842	106,120	101,790	101,320	100,602	105,440	96,578	87,321	417,072	389,941	314,745
Noninterest income	28,030	29,400	32,061	26,717	27,045	29,765	27,634	24,716	116,208	109,160	102,022
Noninterest expense	92,866	92,967	75,098	88,230	88,821	92,539	88,882	83,646	349,161	353,888	297,675
Income taxes	5,155	7,941	13,584	8,310	6,685	8,956	7,451	5,123	34,990	28,215	43,820
NET INCOME	37,851	34,612	45,169	31,497	32,141	33,710	27,879	23,268	149,129	116,998	75,272
Preferred dividends					0	(13)	(13)	(13)	0	(39)	(58)
Interest expense on convertible preferred debt									0	0	12
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 37,851	$ 34,612	$ 45,169	$ 31,497	$ 32,141	$ 33,697	$ 27,866	$ 23,255	$ 149,129	$ 116,959	$ 75,226
Per share:
Earnings per share — basic (in dollars per share)	$ 1.03	$ 0.94	$ 1.26	$ 0.91	$ 0.93	$ 0.98	$ 0.85	$ 0.76	$ 4.14	$ 3.54	$ 2.67
Earnings per share — diluted (in dollars per share)	1.03	0.94	1.26	0.91	0.93	0.97	0.85	0.76	4.14	3.52	2.65
Cash dividends declared on common stock (in dollars per share)	0.18	0.18	0.16	0.16	0.19	0.14	0.13	0.13	$ 0.68	$ 0.59	$ 0.51
Book value per common share (in dollars per share)	$ 43	$ 42.62	$ 41.48	$ 39.65	$ 38.44	$ 37.14	$ 36.44	$ 33.81
Weighted average common shares outstanding (in shares)	36,758,025	36,692,381	35,743,986	34,564,378	34,474,336	34,452,377	32,620,775	30,441,776	35,991,000	33,012,000	28,168,000
Weighted average diluted common shares outstanding (in shares)	36,840,519	36,835,191	35,879,259	34,699,839	34,670,180	34,644,187	32,830,751	30,645,212	36,062,000	33,213,000	28,426,000