B
Heartland Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
16.84
Leverage
Ratio
11.97
Return On
Assets
1.64%
Total
Assets
5.02B
Capital
636.78M
Total
Deposits
4.34B
Net
Income
41.57M
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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 3.30
Profitability Index 8.80
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 0.25%
5-Year Asset Growth 14.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.67%
Non-Performing Loans to Loans 0.18%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Total Assets 5.02B
Total Deposits 4.34B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Capital 636.78M
Leverage Ratio 11.97
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 16.84
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Hot Money Ratio 10.42%
Liquidity Ratio 21.98%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
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5-Year Return on Average Assets 1.45%
Net Income 41.57M
Net Interest Spread 4.20%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 51.67%
Return on Assets 1.64%
Return on Equity 13.11%