Heartland Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.88 percentage points higher than in Q1 2026, at 82.30%. Heartland Bank and Trust Company ranks 111th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.30% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Heartland Bank and Trust Company sits 5.90 points lower, at 82.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.76B |
| Net loans and leases | $4.70B |
| Loans held for sale | $3.9M |
| Loans to total assets | 70.76% |
| Loan-to-deposit ratio | 82.30% |
| Net loans to equity capital | 5.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.39% |
| Multifamily (5+ residential) | 14.01% |
| Commercial and industrial | 11.04% |
| Consumer | 0.51% |
| Credit cards | 0.13% |
| Farm | 8.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.96% |
| Construction concentration (Tier 1 capital + allowance) | 50.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $75.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.35B | $4.21B | 35.84% | 11.56% | 0.39% |
| Q4 2023 | $3.41B | $4.42B | 34.54% | 12.56% | 0.38% |
| Q1 2024 | $3.35B | $4.37B | 35.39% | 12.01% | 0.36% |
| Q2 2024 | $3.39B | $4.34B | 34.82% | 11.82% | 0.36% |
| Q3 2024 | $3.37B | $4.30B | 34.93% | 11.73% | 0.36% |
| Q4 2024 | $3.47B | $4.33B | 35.24% | 12.35% | 0.35% |
| Q1 2025 | $3.46B | $4.40B | 35.01% | 12.74% | 0.31% |
| Q2 2025 | $3.35B | $4.34B | 36.55% | 12.52% | 0.32% |
| Q3 2025 | $3.40B | $4.36B | 36.57% | 11.64% | 0.31% |
| Q4 2025 | $3.46B | $4.37B | 36.37% | 11.56% | 0.31% |
| Q1 2026 | $4.69B | $5.83B | 34.53% | 11.26% | 0.56% |
| Q2 2026 | $4.76B | $5.78B | 34.39% | 11.04% | 0.51% |
Heartland Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heartland Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20369) · FFIEC NIC profile (RSSD 426534)