Heartland Bank is a New Zealand owned bank that was created in 2011 through the merging of four financial organisations to gain. Heartland was granted its bank registration by the Reserve Bank of New Zealand in 2012. It specialises in motor vehicle loans, reverse mortgages, small business finance, livestock finance, savings, investments and deposits. Heartland became a registered bank on in 2012 but its predecessors have had a long history in New Zealand with roots stretching back to 1875.