B
Heartland Bank and Trust Company
Rating Date
June 2026
Risk Based
Capital Ratio
15.46
Leverage
Ratio
13.63
Return On
Assets
1.11%
Total
Assets
6.77B
Capital
854.23M
Total
Deposits
5.83B
Net
Income
15.97M
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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 3.10
Profitability Index 5.70
Stability Index 10.00
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 33.02%
5-Year Asset Growth 7.67%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.38%
Non-Performing Loans to Loans 0.28%
Balance Sheet Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Total Assets 6.77B
Total Deposits 5.83B
Capital and Reserves Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Capital 854.23M
Leverage Ratio 13.63
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 15.46
Liquidity Heartland Bank and Trust Company
Bloomington, IL 		Click to
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Hot Money Ratio 13.55%
Liquidity Ratio 21.21%
Profitability Heartland Bank and Trust Company
Bloomington, IL 		Click to
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5-Year Return on Average Assets 1.53%
Net Income 15.97M
Net Interest Spread 4.24%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 71.45%
Return on Assets 1.11%
Return on Equity 8.47%