EXHIBIT 23.1

KPMG LLP

2500 Ruan Center

666 Grand Avenue

Des Moines, IA 50309

Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the registration statements (Nos. 333-233121, 333-266634, and 333-266629) on Form S-3; (Nos. 333-231711 and 333-238555) on Form S-8; and (Nos. 333-216919, 333-222169, 333-223763, 333-230060, and 333-238459) on Form S-4 of our reports dated February 23, 2024, with respect to the consolidated financial statements of Heartland Financial USA, Inc. and the effectiveness of internal control over financial reporting.

/s/ KPMG LLP

Des Moines, Iowa

February 23, 2024