B
Heartland Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
16.49
Leverage
Ratio
11.95
Return On
Assets
1.67%
Total
Assets
5.03B
Capital
639.27M
Total
Deposits
4.36B
Net
Income
63.45M
My Lists My Alerts
Weiss Ratings Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 9.00
Stability Index 6.30
Company Info Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 20369
Phone Number (309) 662-4444
Website www.hbtbank.com
Asset Quality Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 0.86%
5-Year Asset Growth 14.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.99%
Non-Performing Loans to Loans 0.24%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 5.03B
Total Deposits 4.36B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 639.27M
Leverage Ratio 11.95
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 16.49
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 10.19%
Liquidity Ratio 20.55%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.45%
Net Income 63.45M
Net Interest Spread 4.23%
Operating Profit to Average Assets 2.27%
Overhead Efficiency Ratio 51.30%
Return on Assets 1.67%
Return on Equity 13.31%