B
Heartland Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
15.80
Leverage
Ratio
11.94
Return On
Assets
1.42%
Total
Assets
6.72B
Capital
877.48M
Total
Deposits
5.78B
Net
Income
44.38M
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Weiss Ratings Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Rating B
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 8.60
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 34.01%
5-Year Asset Growth 7.67%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 0.84%
Non-Performing Loans to Loans 0.19%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Total Assets 6.72B
Total Deposits 5.78B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Capital 877.48M
Leverage Ratio 11.94
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio 15.80
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Hot Money Ratio 13.22%
Liquidity Ratio 18.45%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
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5-Year Return on Average Assets 1.53%
Net Income 44.38M
Net Interest Spread 4.36%
Operating Profit to Average Assets 1.93%
Overhead Efficiency Ratio 59.71%
Return on Assets 1.42%
Return on Equity 10.96%