Heartland Bank and Trust Company
Bloomington, IL
IDRSSD: 426534
Total Assets
$5.07B
Latest filing
Total Deposits
$4.37B
Latest filing
Net Interest Margin
4.31%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
6 routesView all→
071102173BLOOMINGTON, IL071104427BLOOMINGTON, IL071112066BLOOMINGTON, IL071123262BLOOMINGTON, IL071924063BLOOMINGTON, IL073922092BLOOMINGTON, IL
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Heartland Bank and Trust Company
401 N Hershey Rd
Bloomington, IL 61704
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/22/1971FDIC Certificate 14032
Branches (69)
Page 1 of 10| Name | Address | City / State |
|---|---|---|
| Heartland Bank and Trust Company (Main) | 401 N Hershey Rd | Bloomington, IL |
| FARMER CITY BRANCH | 333 S Main St | Farmer City, IL |
| CHENOA BRANCH | 801 E Cemetery Ave | Chenoa, IL |
| SPRINGFIELD - MACARTHUR BRANCH | 1925 S Macarthur Blvd | Springfield, IL |
| SCHAUMBURG BRANCH | 321 W Golf Rd | Schaumburg, IL |
| PERU BRANCH | 925 Shooting Park Rd | Peru, IL |
| PEKIN COURT BRANCH | 3400 Court St | Pekin, IL |
| SYCAMORE BETHANY BRANCH | 1985 Dekalb Ave | Sycamore, IL |
Showing 7 of 69
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Country Trust Bank
Bloomington, Illinois
→
Assets: $38.79MΔ -99.2%
Barrington Bank & Trust Company, National Association
Barrington, Illinois
→
Assets: $4.85BΔ -3.6%
Morton Community Bank
Morton, Illinois
→
Assets: $5.39BΔ +7.0%
Northbrook Bank and Trust Company, National Association
Northbrook, Illinois
→
Assets: $5.68BΔ +12.9%
Wheaton Bank & Trust, National Association
Wheaton, Illinois
→
Assets: $4.19BΔ -16.8%
State Bank of India
Chicago, Illinois
→
Assets: $4.16BΔ -17.3%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/22/1971 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61704 |
| State and County Number | 17113 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bloomington, IL |
Operational Info
| Number of Employees | 825 |
| Domestic Offices | 70 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/01/2023 |
| Date of Deposit Insurance | 02/22/1971 |
| Primary Insurance Agency | DIF |
| Website | http://www.hbtbank.com |
| Data Updated | 01/30/2026 |
| CERT | 20369 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.07B |
| Total Deposits | $4.37B |
| Total Liabilities | $4.41B |
| Total Equity Capital | $654.27M |
| Net Income | $20.90M |
| Net Loans and Leases | $3.42B |
| Assets Per Employee ($Millions) | $6.14M |
| Bank Premises and Fixed Assets | $73.64M |
| Cash and Balances due from Depository Institutions | $122.27M |
| Deposits Held in Domestic Offices | $4.37B |
Key Performance Ratios
| Return on Assets (ROA) | 1.66% |
| Return on Equity (ROE) | 12.93% |
| Net Interest Margin | 4.31% |
| Efficiency Ratio | 50.07% |
| Tier 1 Risk-Based Capital Ratio | 15.419% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.91% |
| Earning Assets to total Assets | 94.48% |
Income and Expense
| Total Interest Income | $64.32M |
| Total Noninterest Income | $10.00M |
| Total Interest Expense | $12.95M |
| Total Noninterest Expense | $31.37M |
| Net Interest Income | $51.37M |
| Pre-tax Net Operating Income | $28.54M |
| Provision for Credit Losses | $1.46M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $963.00k |
| Other borrowed funds | $12.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $30.25M |
| Total Liabilities and Capital | $5.07B |
Securities
| Securities | $1.27B |
| Available-for-sale debt securities | $813.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $458.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heartland Bank and Trust Company?
$5.07B as of the latest filing.
How much are Heartland Bank and Trust Company's total deposits?
$4.37B in total deposits.
Where is Heartland Bank and Trust Company located?
Bloomington, IL.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
70.
When was it established?
02/22/1971.
What is the Return on Assets (ROA)?
1.66%.
How much are total loans and leases?
$3.42B (latest filing).
What is the total interest income (latest filing)?
$64.32M.