BanksHEARTLAND BANK AND TRUST COMPANY

HEARTLAND BANK AND TRUST COMPANY

BLOOMINGTON, ILLargeEst. Feb. 22, 1971, midnightFDIC #20369RSSD #426534FDIC
Latest · 2025-12-31

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.

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 Margin4.42%
Yield on Assets5.54%
Cost of Funds1.18%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.07%
Texas Ratio1.22%
NPA Ratio0.17%
ACL / Loans1.21%

Capital & Liquidity

CET1 Ratio15.42%
Tier 1 Capital15.42%
Total Capital Ratio16.52%
Leverage Ratio12.02%
Loan-to-Deposit79.10%

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