Heartland Financial USA, Inc. (Heartland) is a multi-bank holding company. The Company operates through two business segments community and other banking, and retail mortgage banking. The community and other banking segment involve making loans to and generating deposits from individuals and businesses in the markets where Heartland has banks. The retail mortgage banking segment involves the origination of residential loans and subsequent sale of those loans to investors. The Company conducts its community banking business through independently chartered community banks (collectively, the Bank Subsidiaries) in the states of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Missouri and Kansas. The Bank Subsidiaries provides banking services, such as commercial banking, small business banking, agricultural loans, residential real estate mortgage lending, retail banking, consumer finance, and wealth management and retirement plan services.