Heartland Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heartland Bank and Trust Company of Bloomington, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.68% | 1.44% | +0.24% | 76th top |
| ROAE | 13.12% | 12.50% | +0.62% | 56th above |
| Net Interest Margin | 4.45% | 3.84% | +0.61% | 87th top |
| Efficiency Ratio | 47.86% | 58.88% | -11.02% | 80th top |
| PPNR / Avg Assets | 2.45% | 1.78% | +0.67% | 86th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.54% | 5.71% | -0.17% | 50th above |
| Cost of Funds | 1.20% | 2.03% | -0.83% | 90th top |
| Net Interest Spread | 3.98% | 3.18% | +0.80% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.97% | -0.78% | 82nd top |
| NPA / Total Assets | 0.15% | 0.75% | -0.60% | 81st top |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 91st top |
| ACL / Total Loans | 1.27% | 1.25% | +0.02% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 666.78% | 698.87% | -32.09% | 86th top |
| Texas Ratio | 1.20% | 7.17% | -5.97% | 85th top |
| Provision / NCO | -64.59% | 815.70% | -880.29% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.75% | 17.41% | -2.66% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.75% | 17.45% | -2.70% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.80% | 18.50% | -2.70% | 67th above |
| Leverage Ratio | 11.94% | 11.59% | +0.35% | 75th top |
| Equity / Assets | 13.05% | 11.33% | +1.72% | 84th top |
| TCE / Tangible Assets | 11.41% | 10.65% | +0.76% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.30% | 86.36% | -4.06% | 65th above |
| Core Deposit Ratio | 93.62% | 85.55% | +8.07% | 77th top |
| Uninsured Deposit Ratio | 23.85% | 32.72% | -8.87% | 74th above |
| Wholesale Funding Ratio | 0.18% | 5.46% | -5.28% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 34.01% | 10.43% | +23.58% | 96th top |
| Loan Growth (Y/Y) | 41.96% | 7.96% | +34.00% | 97th top |
| Deposit Growth (Y/Y) | 33.10% | 7.95% | +25.15% | 95th top |
See Heartland Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heartland Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heartland Bank and Trust Company profile, how to read a UBPR, or how this data updates.