Heartland Bank and Trust Company is a state-chartered bank headquartered in Bloomington, Illinois, in business for about 55 years. At the end of Q2 2026 it reported $6.7B in total assets and $5.8B in deposits, with 87 offices across 3 states.
Based on its Q2 2026 filing, Heartland Bank and Trust Company scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 65th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is funding & liquidity (69/100; 81% loans-to-deposits, 24% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (83 → 80), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 82 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 82 |
| Q4 2025 | 83 |
| Q1 2026 | 82 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.32% |
| Q3 2024 | 11.64% |
| Q4 2024 | 11.98% |
| Q1 2025 | 12.12% |
| Q2 2025 | 11.97% |
| Q3 2025 | 11.95% |
| Q4 2025 | 12.02% |
| Q1 2026 | 13.63% |
| Q2 2026 | 11.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $6.7B | 11.94% | 0.19% | 1.43% | 81.3% |
| Q1 2026 | 82 | $6.8B | 13.63% | 0.28% | 1.08% | 79.4% |
| Q4 2025 | 83 | $5.1B | 12.02% | 0.22% | 1.67% | 78.1% |
| Q3 2025 | 82 | $5.0B | 11.95% | 0.22% | 1.68% | 77.1% |
| Q2 2025 | 83 | $5.0B | 11.97% | 0.17% | 1.65% | 76.2% |
| Q1 2025 | 83 | $5.1B | 12.12% | 0.15% | 1.62% | 77.8% |
| Q4 2024 | 82 | $5.0B | 11.98% | 0.22% | 1.57% | 79.0% |
| Q3 2024 | 80 | $5.0B | 11.64% | 0.24% | 1.50% | 77.5% |
| Q2 2024 | 79 | $5.0B | 11.32% | 0.25% | 1.46% | 77.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midland States BankBank Effingham, IL | 62 out of 100, Moderate | $6.7B | 10.1% | 1.43% | vs |
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| Northbrook Bank and Trust Company, National AssociationBank Northbrook, IL | 68 out of 100, Moderate | $6.4B | 9.4% | 0.27% | vs |
| Morton Community BankBank Morton, IL | 72 out of 100, Strong | $5.3B | 10.6% | 0.81% | vs |
| Barrington Bank & Trust Company, National AssociationBank Barrington, IL | 42 out of 100, Below average | $5.2B | 10.1% | 4.75% | vs |
Deposit insurance
Is my money safe at Heartland Bank and Trust Company?
Yes. Heartland Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.9% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).
87 locations
Branches
Heartland Bank and Trust Company lists 82 offices in 66 cities across 3 states. Most locations:
- Bloomington, IL (4)
- Springfield, IL (3)
- Champaign, IL (2)
- Eureka, IL (2)
- Jacksonville, IL (2)
- Lincoln, IL (2)
- Morton, IL (2)
- Normal, IL (2)
- Peoria, IL (2)
- Plainfield, IL (2)
- Princeton, IL (2)
- Sycamore, IL (2)
HMDA 2025
Mortgage lending
In 2025, Heartland Bank and Trust Company reported 1,301 home-loan applications under HMDA (LEI EFBDHEMMHTWI378O4988): 918 originated ($160,500,000 total), 208 denied, and 91 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Heartland Bank and Trust Company
- Former names
- Bank of Carlock
- Type
- State-chartered bank
- FDIC certificate #
- 20369
- RSSD ID
- 426534
- Primary regulator
- FDIC
- Holding company
- Hbt Financial Inc
- Established
- February 22, 1971
- Headquarters
- 401 N Hershey Rd, Bloomington, IL 61704
- Website
- www.hbtbank.com
- Employees
- 1,028
Quick answers
Heartland Bank and Trust Company: common questions
Is Heartland Bank and Trust Company FDIC insured?
Yes. Heartland Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heartland Bank and Trust Company's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heartland Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #20369 in the FDIC failed bank list.
How many branches does Heartland Bank and Trust Company have?
87 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Bloomington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Country Trust BankBank Bloomington, IL | 93 out of 100, Very strong | $42.3M | 78.7% | 0.00% | vs |
| Bloomington Municipal Credit UnionCredit union Bloomington, IL | 87 out of 100, Very strong | $45.7M | 13.5% | 0.10% | vs |
| Iaa Credit UnionCredit union Bloomington, IL | 84 out of 100, Strong | $415.0M | 14.0% | 0.47% | vs |
| Peoples State Bank of ColfaxBank Colfax, IL | 84 out of 100, Strong | $49.5M | 11.7% | 0.00% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Normal City Employees Federal Credit UnionCredit union Normal, IL | 79 out of 100, Strong | $4.5M | 11.8% | 0.00% | vs |