Heartland Financial is a diversified financial services company engaged in providing banking, mortgage, private client, investment, treasury management, card services, insurance, and consumer finance services to individuals and businesses. The Company's segments include Community and Other banking, and Retail Mortgage banking. Its Community and Other banking segment is engaged in making loans to, and generating deposits from, individuals and businesses in the markets where Heartland has banks. Its Retail Mortgage banking segment is engaged in the origination of residential loans and subsequent sale of those loans to investors. Heartland Financial conducts its community banking business through independently chartered community banks.