HEARTLAND BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 15.42%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 1.22%. Operates 68 domestic branches.
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