HEARTLAND BANK AND TRUST COMPANY

BLOOMINGTON, IL | Large | Est. Feb. 22, 1971, midnight | FDIC #20369 | RSSD #426534 | FDIC
Latest Report: 2025-12-31

HEARTLAND BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in BLOOMINGTON, IL, established in Feb. 22, 1971, midnight. As of 2025-12-31, the bank reported total assets of $5.1B and total deposits of $4.4B. Profitability stands at 1.66% ROA and 12.93% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 15.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.22%. FDIC Certificate #20369.

Assets

$5.1B

Deposits

$4.4B

Loans

$3.5B

Equity

$654M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 12.93%
Net Interest Margin (NIM) 4.42%
Yield on Assets 5.54%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.22%
NPA Ratio 0.17%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 15.42%
Tier 1 Capital 15.42%
Total Capital Ratio 16.52%
Leverage Ratio 12.02%
Loan-to-Deposit 79.10%

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