Heartland Bank and Trust Company
Also written as HB&T
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Data as of · sourced from FFIEC call reports. How we update
Heartland Bank and Trust Company is an FDIC-insured commercial bank headquartered in Bloomington, IL, established in 1971 (FDIC certificate 20369), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.72B, up 34.0% from Q2 2025, the 12th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20369
- Headquarters
- Bloomington, IL
- Established
- 1971
- Total assets, Q2 2026
- $6.72B
- Assets vs Q2 2025
- +34.0%
- CET1 ratio, Q2 2026
- 14.75%
- Domestic offices
- 87 FDIC institution directory, current count
- Routing number
- 071112066
- Latest call report
- Q2 2026, FFIEC 041 · Heartland Bank and Trust Company Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- HBT FINANCIAL, INC.
- Asset rank in state
- 12th of 319 in Illinois
Heartland Bank and Trust Company is growing quickly. Its balance sheet stood at $6.7 billion at June 30, 2026, up 34.0% from a year earlier; it is based in Bloomington, Illinois. It grew its loan book 42.0% over the year, 7.1 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $28 million, 35% above the same quarter a year earlier. Over the same year, loans grew 42.0% and deposits grew 33.1%.
As of June 30, 2026, Heartland Bank and Trust Company reported a CET1 capital ratio of 14.75%, a return on assets of 1.68%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.97%. The figures come from its call report filed with the FFIEC.
Heartland Bank and Trust Company ranks as the 12th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $6.72B, loans rose 1.4% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 23.7% of total loans, ahead of multifamily loans at 14.0%. Its 85 offices in the FDIC Summary of Deposits are in 66 cities across 3 states; its Bloomington 4 offices book 12% of its branch deposits. Judged on its Q2 2026 call report, Heartland Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 N Hershey Rd, Bloomington, IL 61704
- County
- Mclean
- Metro Area
- Bloomington, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 22, 1971
- Former names
- Bank of Carlock (1973-1992)
- Domestic offices
- 87 FDIC institution directory, current count
- Employees (FTE)
- 1,028
- Domestic deposits
- $5.78B
- Allowance for credit losses
- $60.6M
- Net charge-offs (YTD)
- $658K
- Average total assets
- $6.77B
- Average total loans
- $4.73B
- Average interest-bearing deposits
- $4.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 22, 1971
- FDIC Cert
- 20369
- Fed RSSD
- 426534
- SEC CIK
- 775215 → filed by HBT FINANCIAL, INC.
- Website
- http://www.hbtbank.com →
- Parent Holding Company
- HBT FINANCIAL, INC. (RSSD 1208120) · HBT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Carter James Lance | CEO | President and CEO |
| Fred L Drake | CHR | Executive Chairman |
| Chapman Peter Robert | CFO | EVP & CFO |
| Mark W Scheirer | CCO | EVP & Chief Credit Officer |
| Andrea E Zurkamer | CRO | EVP & Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Heartland Bank and Trust Company's total assets ranged from $4.99B (Q3 2023) to $6.77B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.72B total assets against $5.02B; $5.84B total liabilities against $4.38B.
$4.70B net loans and leases against $3.31B; $5.78B total deposits against $4.34B.
$1.53B securities against $1.26B; $132.5M cash and balances due against $195.7M.
$88.5M total interest income against $63.9M; $17.4M total interest expense against $12.9M.
$71.1M net interest income against $51.0M.
$11.7M total noninterest income against $9.1M; $41.4M total noninterest expense against $30.8M.
$676K provision for credit losses against $526K.
$28.4M net income against $21.0M.
1.68% return on assets against 1.66%; 4.45% net interest margin against 4.24%.
14.75% CET1 capital ratio against 15.74%; 11.94% tier 1 leverage ratio against 11.97%.
Inside the full Heartland Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Heartland Bank and Trust Company rankings
Its closest position to the top of a national ranking is 224 of 4,196, for total assets; its furthest is 733 of 980, for uninsured deposits.
Banks merged into Heartland Bank and Trust Company
- CNB Bank and Trust, N.A., effective March 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q1 2026) to 1.74% (Q4 2024) and its net interest margin ran from 4.09% (Q4 2024) to 4.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 1.68% | 0.19% | 0.97% | 4.45% |
| Q1 2026 | 14.44% | 1.11% | 0.28% | 1.57% | 4.24% |
| Q4 2025 | 15.42% | 1.63% | 0.22% | 1.11% | 4.23% |
| Q3 2025 | 15.40% | 1.73% | 0.22% | 1.15% | 4.27% |
| Q2 2025 | 15.74% | 1.66% | 0.17% | 0.78% | 4.24% |
| Q1 2025 | 15.38% | 1.62% | 0.15% | 0.70% | 4.16% |
| Q4 2024 | 15.10% | 1.74% | 0.22% | 1.12% | 4.09% |
| Q3 2024 | 15.10% | 1.57% | 0.24% | 1.13% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 85 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heartland Bank and Trust Company (main office) | Bloomington , IL | 61704 | $557.5M |
| Western Springs Branch | Western Springs , IL | 60558 | $248.4M |
| Carlinville Branch | Carlinville , IL | 62626 | $231.6M |
| Oak Forest Branch | Oak Forest , IL | 60452 | $202.1M |
| Lincoln Branch | Lincoln , IL | 62656 | $199.3M |
| Jacksonville Lincoln Branch | Jacksonville , IL | 62650 | $174.5M |
| Princeton South Main Branch | Princeton , IL | 61356 | $155.0M |
| Palos Heights Branch | Palos Heights , IL | 60463 | $148.0M |
| Antioch Branch | Antioch , IL | 60002 | $121.9M |
| Springfield - Macarthur Branch | Springfield , IL | 62704 | $117.6M |
| C-U Windsor Branch | Champaign , IL | 61821 | $110.4M |
| Clinton Downtown Branch | Clinton , IL | 61727 | $102.5M |
| Peru Branch | Peru , IL | 61354 | $102.0M |
| Eureka Main Branch | Eureka , IL | 61530 | $99.8M |
| Taylorville Branch | Taylorville , IL | 62568 | $98.9M |
| El Paso Branch | El Paso , IL | 61738 | $88.4M |
| Sycamore Bethany Branch | Sycamore , IL | 60178 | $84.7M |
| Sandwich Branch | Sandwich , IL | 60548 | $81.9M |
| Washington Main Branch | Washington , IL | 61571 | $81.7M |
| Shorewood Branch | Shorewood , IL | 60404 | $79.3M |
| Brighton Branch | Brighton , IL | 62012 | $78.8M |
| Springfield - Wabash Avenue Branch | Springfield , IL | 62711 | $78.4M |
| Somonauk Branch | Somonauk , IL | 60552 | $76.2M |
| Tinley Park Branch | Tinley Park , IL | 60487 | $75.4M |
| Gibson City Branch | Gibson City , IL | 60936 | $75.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2026 | Structure Change | Acquired CNB Bank and Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2026 | M&A | Acquired CNB Bank and Trust, N.A. merger for the acquired bank | SEC |
| February 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | M&A | Acquired Town And Country Bank merger for the acquired bank | SEC |
| February 1, 2023 | Structure Change | Acquired Town And Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 2021 | M&A | Acquired NXT Bank merger for the acquired bank | SEC |
| December 11, 2021 | Structure Change | Acquired NXT Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2021 | M&A | Acquired State Bank of Lincoln merger for the acquired bank | SEC |
| January 1, 2021 | Structure Change | Acquired State Bank of Lincoln Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2016 | Structure Change | Acquired American Midwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | M&A | Acquired American Midwest Bank merger for the acquired bank | SEC |
| April 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 3, 2012 | Structure Change | Acquired Citizens First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 3, 2012 | M&A | Acquired Citizens First National Bank failure_government_assistance_provided for the acquired bank | SEC |
| November 2, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 25, 2012 | Structure Change | Acquired Farmer City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2012 | M&A | Acquired Farmer City State Bank merger for the acquired bank | SEC |
| August 24, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2011 | M&A | Acquired Bank of Shorewood failure_government_assistance_provided for the acquired bank | SEC |
| August 6, 2011 | Structure Change | Acquired Bank of Shorewood Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 5, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 9, 2011 | Structure Change | Acquired Western Springs National Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 9, 2011 | M&A | Acquired Western Springs National Bank and Trust failure_government_assistance_provided for the acquired bank | SEC |
| April 8, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 6, 2010 | Structure Change | Acquired Bank of Illinois Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 6, 2010 | M&A | Acquired Bank of Illinois failure_government_assistance_provided for the acquired bank | SEC |
| March 5, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 17, 2008 | Structure Change | Acquired First Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2008 | M&A | Acquired First Federal Bank merger for the acquired bank | SEC |
| June 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired BankPlus, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2007 | M&A | Acquired BankPlus, FSB merger for the acquired bank | SEC |
| July 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | M&A | Acquired Bank of Chenoa merger for the acquired bank | SEC |
| June 1, 2001 | Structure Change | Acquired Bank of Chenoa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 2, 2001 | M&A | Acquired First State Bank of Pekin merger for the acquired bank | SEC |
| May 2, 2001 | Structure Change | Acquired First State Bank of Pekin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 1997 | Structure Change | Acquired First Bank of Eureka Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 1997 | M&A | Acquired First Bank of Eureka merger for the acquired bank | SEC |
| March 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1997 | Structure Change | Acquired First National Bank and Trust Company in Gibson City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 47 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in IL, rank 18 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,305 applications, 918 loans originated, $160.5M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $364K approved, $364K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heartland Bank and Trust Company
What are Heartland Bank and Trust Company's total assets?
As of the Q2 2026 filing, Heartland Bank and Trust Company reported total assets of $6.72 billion in its FFIEC call report.
Where is Heartland Bank and Trust Company headquartered?
It is headquartered in Bloomington, IL, United States.
When was Heartland Bank and Trust Company founded?
It was established in 1971, per the FDIC institution directory.
Is Heartland Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heartland Bank and Trust Company?
Heartland Bank and Trust Company's primary federal regulator is the FDIC.
What is Heartland Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Heartland Bank and Trust Company operate?
It operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heartland Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Heartland Bank and Trust Company previously called?
The charter now named Heartland Bank and Trust Company has also operated as Bank of Carlock (1973-1992), per FDIC structure-change records.
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