Heartland Bank and Trust Company

BankBloomington, Illinois
http://www.hbtbank.com

Total Assets

$5.1B

Total Deposits

$4.4B

Branches

70

Established

1971

TFS Health Grade

$
C+

80.0 / 100

Average financial health

How we grade

Heartland Bank and Trust Company is a bank headquartered in Bloomington, Illinois, established in 1971. With $5.1B in total assets and 70 branch locations, it has a TFS Financial Health Grade of C+ (80.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.02%(8%)
Total Capital Ratio
16.52%(10%)
Non-Performing Loan Ratio
0.22%

Profitability

Return on Assets (ROA)
1.67%(1%)
Return on Equity (ROE)
13.22%(10%)
Net Interest Margin
4.27%
Efficiency Ratio
50.13%(60%)

Lending & Liquidity

Total Loans
$3.5B
Loan-to-Deposit Ratio
78.14%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+0.77%
Deposit Growth (YoY)
+0.85%
Net Income
$84.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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