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Heartland Bank And Trust Company
Bloomington, IL · FDIC Certificate #20369 · Chartered 02/2
Total assets
$6.72B
Total deposits
$5.78B
Total equity
$877.48M
Net loans
$4.70B
Branches (offices)
85
Net income (YTD)
$44.38M
Rank: #230 of 4,213 U.S. banks by assets · #12 of 322 in Illinois. Assets changed 34.0% and deposits 33.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 11.16% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 13.05% |
| Tier 1 leverage ratio | 11.94% |
| Uninsured deposits (share of deposits) | 23.9% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 81.3% |
| Real estate loans (share of loans) | 78.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.70B | 78.8% | |
| Commercial & industrial | $525.19M | 11.2% | |
| Consumer / individual | $24.02M | 0.5% | |
| Construction & development | $429.79M | 9.2% | |
| Agricultural | $209.43M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.22B | $3.73B | $30.75M | $425.15M |
| Jun 2023 | $4.97B | $4.17B | $32.02M | $532.41M |
| Jun 2024 | $5.00B | $4.34B | $36.81M | $585.07M |
| Jun 2025 | $5.02B | $4.34B | $41.57M | $636.78M |
| Jun 2026 | $6.72B | $5.78B | $44.38M | $877.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $5.65B | 80 |
| Iowa | $113.59M | 4 |
| Missouri | $16.11M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.78B.
Similar-sized banks
Third Coast Bank ($6.73B) · Alpine Bank ($6.69B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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