Industry Expertise HTLF SPECIALIZED INDUSTRIES HTLF Specialized Industries, a division of HTLF, provides expertise to middle-market growth companies and investors. The unique model of our holding company, HTLF, powers our family of community banks with technology, efficiency and strength, allowing us to offer a community banking experience with the scale to compete at any level. Decisions are made at the local level and focused on our clients and relationships. Our HTLF Specialized Industries team has the ability to structure, facilitate and partner on larger transactions. In addition, through our community banks, we offer a full suite of credit, treasury management, and retirement plan products and services, with a focus on growth, buyouts, recapitalization, acquisitions, and refinancing. Learn More HTLF FOOD AND AGRIBUSINESS HTLF Food and Agribusiness provides support to companies of all sizes and complexities. Whether you own a large distribution operation or a family farm, we offer a broad range of solutions and industry expertise to meet your needs and help your company grow. Our HTLF Food and Agribusiness team is positioned to structure, facilitate, and partner with a focus on working capital, real estate and term finance, equipment finance, acquisitions, and growth. Learn More HTLF’s community banks are members of the FDIC. CONTACT US CAREERS PRIVACY POLICY Sign up for our newsletter: © 2021 HTLF Equal Opportunity Employer

Q4 2020 Earnings Q4 2020 EARNINGS CALL Monday, January 11, 2021 Officials of Heartland Financial USA, Inc. (NASDAQ: HTLF) announced today that the company plans to broadcast a conference call detailing its Fourth Quarter 2020 earnings at 5:00 p.m. ET on Monday, January 25, 2021. Lynn B. Fuller, Executive Operating Chairman; Bruce K. Lee, President and CEO, and Bryan R. McKeag, Executive Vice President and Chief Financial Officer, will conduct the conference call. Financial results will be available on the company’s website on January 25, 2021, after the market closes. There will be a question-and-answer session following the presentation. Shareholders, analysts and other interested parties are invited to join the call: To listen to the live call, please dial (866) 928-9948 at least five minutes before start time. ### RELATED NEWS Read More Read More CONTACT US CAREERS PRIVACY POLICY Sign up for our newsletter: © 2021 HTLF Equal Opportunity Employer

Preferred Stock HTLF DECLARES DIVIDEND ON PREFERRED STOCK Thursday, October 21, 2021 Heartland Financial USA, Inc. (NASDAQ: HTLFP), today announced that it declared a dividend of $175.00 per share on its Series E Preferred Stock, which results in a dividend of $0.4375 per depositary share, to stockholders of record on December 31, 2021, for payment on January 15, 2022. RELATED NEWS Read More Heartland Financial USA, Inc. Read More Heartland Financial USA, Inc. Read More CONTACT US CAREERS PRIVACY POLICY Sign up for our newsletter: © 2021 HTLF Equal Opportunity Employer