Heartland Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Heartland Bank and Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Bloomington, IL. Total assets stand at $6.7B. The bank posts a strong 1.68% ROA and 13.12% ROE. Capital cushions are healthy: 14.75% CET1, 11.94% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.19%. Heartland Bank and Trust Company operates a 87-branch network.
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%, a Texas ratio of 1.20%, per financial data filed with the FFIEC.
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)
- Offices
- 87 domestic
- 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 |
| Chapman Peter Robert | CFO | EVP & CFO |
| Drake Fred L | CHR | Executive Chairman |
| Scheirer Mark W | CCO | EVP & Chief Credit Officer |
| Zurkamer Andrea E | CRO | EVP & Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Heartland Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Heartland Bank and Trust Company, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 1.68% | 0.19% | 1.20% | 4.45% |
| Q1 2026 | 14.44% | 1.11% | 0.28% | 1.80% | 4.24% |
| Q4 2025 | 15.42% | 1.63% | 0.22% | 1.37% | 4.23% |
| Q3 2025 | 15.40% | 1.73% | 0.24% | 1.49% | 4.27% |
| Q2 2025 | 15.74% | 1.66% | 0.18% | 1.12% | 4.24% |
| Q1 2025 | 15.38% | 1.62% | 0.16% | 0.98% | 4.16% |
| Q4 2024 | 15.10% | 1.74% | 0.23% | 1.45% | 4.09% |
| Q3 2024 | 15.10% | 1.57% | 0.24% | 1.46% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 85 branches →
| 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 | M&A | merger | SEC |
| 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 |
| February 1, 2023 | M&A | merger | SEC |
| February 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | merger | 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 | merger | 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 | M&A | merger | SEC |
| April 30, 2016 | Structure Change | Acquired American Midwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 3, 2012 | M&A | failure_government_assistance_provided | SEC |
| November 3, 2012 | Structure Change | Acquired Citizens First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 2, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 25, 2012 | M&A | merger | SEC |
| August 25, 2012 | Structure Change | Acquired Farmer City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2011 | M&A | failure_government_assistance_provided | 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 | M&A | failure_government_assistance_provided | SEC |
| April 9, 2011 | Structure Change | Acquired Western Springs National Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 8, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 6, 2010 | M&A | failure_government_assistance_provided | SEC |
| March 6, 2010 | Structure Change | Acquired Bank of Illinois Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 5, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 17, 2008 | M&A | merger | SEC |
| June 17, 2008 | Structure Change | Acquired First Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | M&A | merger | SEC |
| August 1, 2007 | Structure Change | Acquired Bankplus, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | M&A | merger | 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 | merger | 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 | M&A | merger | SEC |
| May 29, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 1997 | Structure Change | Acquired First Bank of Washington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1997 | M&A | merger | SEC |
| March 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
What the public regulatory sources show for Heartland Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in IL, rank 18 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heartland Bank and Trust Company headquartered?
Heartland Bank and Trust Company is headquartered in Bloomington, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heartland Bank and Trust Company founded?
Heartland Bank and Trust Company was established in 1971, per the FDIC institution directory.
Is Heartland Bank and Trust Company FDIC-insured?
Yes. Heartland Bank and Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heartland Bank and Trust Company's CET1 capital ratio?
Heartland Bank and Trust Company 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?
Heartland Bank and Trust Company 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?
Heartland Bank and Trust Company's Texas Ratio is 1.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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