B
Heartland Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
16.52
Leverage
Ratio
12.02
Return On
Assets
1.66%
Total
Assets
5.07B
Capital
654.27M
Total
Deposits
4.37B
Net
Income
84.35M
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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 3.20
Profitability Index 9.00
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 0.77%
5-Year Asset Growth 7.67%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 0.91%
Non-Performing Loans to Loans 0.22%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Total Assets 5.07B
Total Deposits 4.37B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Capital 654.27M
Leverage Ratio 12.02
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 16.52
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Hot Money Ratio 10.20%
Liquidity Ratio 22.29%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
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5-Year Return on Average Assets 1.45%
Net Income 84.35M
Net Interest Spread 4.23%
Operating Profit to Average Assets 2.25%
Overhead Efficiency Ratio 51.26%
Return on Assets 1.66%
Return on Equity 13.22%