Item 2.02 Results of Operations and Financial Condition.

On January 30, 2023, Heartland Financial USA, Inc. ("HTLF") issued a press release announcing its earnings for the quarter ended December 31, 2022. A copy of the press release is attached as Exhibit 99.1 and is incorporated by reference in this Item 2.02. The information furnished in Item 2.02 and in Exhibit 99.1 shall not be deemed filed for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 7.01 Regulation FD Disclosure.

For the benefit of its investors, HTLF is also furnishing an Investor Presentation attached as Exhibit 99.2 and incorporated herein by reference in this Item 7.01. The information furnished in this Item 7.01 and Exhibit 99.2 shall not be deemed filed for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

99.1 Press Release dated Ja nuary 3 0 , 202 3 .

99.2 Investor Presentation dated January 3 0 , 202 3 .

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

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