Item 7.01 Regulation FD Disclosure

On January 20, 2023, Heartland Financial USA, Inc. (NASDAQ: HTLF) announced that its Board of Directors had approved a dividend of $175 per share of its Series E Preferred Stock, which results in a dividend of $0.4375 per depositary share, to stockholders of record on March 31, 2023, for payment on April 17, 2023. A copy of the press release is attached as Exhibit 99.1 hereto.

Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits

(d) Exhibits.

99.1 Press Release dated Jan uary 20 , 202 3 .

104 The cover page from this Current Report on Form 8-K, formatted as Inline XBRL.

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