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Parent Company of Wisconsin Bank & Trust Recognized as a Forbes Best Bank in America for 2018

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Madison, WI, February 20, 2018 — Wisconsin Bank & Trust through its parent company, Heartland Financial USA, Inc. (NASDAQ:HTLF), has been named a “Forbes Best Bank 2018.”

In its annual review of the largest publicly traded banks and thrifts, Forbes ranked Heartland 60th among a nationwide group of 100 leading banking organizations with assets ranging from $9 billion to over $2 trillion.

“We are proud to be named among the Best Banks in America for 2018,” said Curtis Chrystal, President and CEO at Wisconsin Bank & Trust. “As a community bank, what sets us apart is our strong commitment to our customers, combined with access to ‘big-bank’ products and services as part of Heartland.”

“The Forbes ranking underscores the benefits of our unique structure—the strength and capabilities of a big bank, combined with the personal touch and local decision-making of a community bank,” Chrystal said. Wisconsin Bank & Trust offers full-service branches where experts can meet all financial needs throughout the community.

To compile the rankings, Forbes used data collected by SNL Financial through the third quarter of 2017 on the country’s largest publicly traded banks and thrifts. The data covered ten metrics of financial health: return on average equity; net interest margin; nonperforming loans (NPLs) as a percentage of loans; nonperforming assets as percentage of assets; reserves as a percentage of NPLs; two capital ratios (Tier 1 and risk-based); and leverage ratio. Forbes generated its ranking based on an average of the individual ranks of each metric.

For further information please contact:

Curtis Chrystal

President and CEO

CChrystal@wisconsinbankandtrust.com | 608.203.1224

Bridget Hughes

Regional Marketing & Sales Support Director

BHughes@wisconsinbankandtrust.com | 608.203.1211

About Wisconsin Bank & Trust

Wisconsin Bank & Trust (WBT), a subsidiary of Heartland Financial USA, Inc., (NASDAQ: HTLF), is a business-focused community bank with assets of more than $1 billion. With seventeen banking centers and one loan processing office, Wisconsin Bank & Trust serves customers in the Madison, Milwaukee, Green Bay, Sheboygan, Monroe and southwest areas of Wisconsin. WBT offers a wide range of personal and business banking, private client and mortgage lending services. For more information, visit www.wisconsinbankandtrust.com or call 608.203.1214. Wisconsin Bank & Trust is a member of the FDIC and an Equal Housing Lender.

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