B
Heartland Bank and Trust Company
Rating Date
June 2025
Risk Based
Capital Ratio
16.46
Leverage
Ratio
12.12
Return On
Assets
1.62%
Total
Assets
5.09B
Capital
640.30M
Total
Deposits
4.40B
Net
Income
20.54M
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Weiss Ratings Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Rating B
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 8.70
Stability Index 6.30
Company Info Heartland Bank and Trust Company
Bloomington, IL 		Click to
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FDIC Number 20369
Phone Number (309) 662-4444
Website www.hbtbank.com
Asset Quality Heartland Bank and Trust Company
Bloomington, IL 		Click to
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1-Year Asset Growth 1.03%
5-Year Asset Growth 14.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.63%
Non-Performing Loans to Loans 0.16%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Total Assets 5.09B
Total Deposits 4.40B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Capital 640.30M
Leverage Ratio 12.12
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 16.46
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Hot Money Ratio 10.48%
Liquidity Ratio 22.07%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
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5-Year Return on Average Assets 1.45%
Net Income 20.54M
Net Interest Spread 4.16%
Operating Profit to Average Assets 2.19%
Overhead Efficiency Ratio 52.18%
Return on Assets 1.62%
Return on Equity 13.05%