Heartland Bank and Trust Company

Bloomington, Illinois, Mclean County

$6.7B in total assets, the 237th largest of 4,309 US banks and 12th of 328 headquartered in Illinois.

At a glance

Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$6.7B	86%	$2.7B
Loans	$4.8B	88%	$2.0B
Deposits	$5.8B	92%	$2.3B
Return on assets	1.52%	65%	1.39%
Net interest margin	4.41%	94%	3.53%
Efficiency ratio	58.2%	61%	51.0%
Equity to assets	13.05%	94%	9.97%
Loans to deposits	82%	38%	87%

Total assets grew 11.2% a year over the last 5 years and 8.6% a year over 10 years, including 4 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Mar 2026	CNB Bank and Trust, N.A. Carlinville, IL	$1.8B
Feb 2023	Town And Country Bank Springfield, IL	$923M
Dec 2021	NXT Bank Central City, IA	$233M
Dec 2020	State Bank of Lincoln Lincoln, IL, an affiliate under the same holding company	$349M
Apr 2016	American Midwest Bank Sycamore, IL, an affiliate under the same holding company	$508M
Nov 2012	Citizens First National Bank Princeton, IL	$924M
Aug 2012	Farmer City State Bank Farmer City, IL	$79M
Aug 2011	Bank of Shorewood Shorewood, IL	$111M
Apr 2011	Western Springs National Bank and Trust Western Springs, IL	$187M
Mar 2010	Bank of Illinois Normal, IL	$212M
Jun 2008	First Federal Bank Colchester, IL, an affiliate under the same holding company	$354M
Jul 2007	Bankplus, FSB Morton, IL	$280M
May 2001	Bank of Chenoa Chenoa, IL	$34M
May 2001	First State Bank of Pekin Pekin, IL	$24M
May 1997	First Bank of Eureka Eureka, IL, an affiliate under the same holding company	$57M
May 1997	First Bank of Washington Washington, IL, an affiliate under the same holding company	$51M
Mar 1997	First National Bank and Trust Company in Gibson City Gibson City, IL, an affiliate under the same holding company	$36M
Mar 1997	Woodford County Bank El Paso, IL, an affiliate under the same holding company	$44M

86 branches in 35 counties.

County	Deposits	Market share	Rank
Mclean County, IL	$941M	20.6%	1 of 26
Cook County, IL	$733M	0.2%	38 of 90
Dekalb County, IL	$398M	13.4%	4 of 9
Macoupin County, IL	$330M	26.7%	1 of 13
Morgan County, IL	$272M	26.8%	1 of 11
Tazewell County, IL	$259M	6.7%	2 of 18

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 28 branches since 2016 (58 to 86, +48.3%). 3 opened, 41 acquired, 16 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				58
2016	Acquired American Midwest Bank	7	0	+7	65
2017	Closed 7 in Illinois	0	7	−7	58
2018	Opened Chicago	1	0	+1	59
2020	Acquired State Bank of LincolnClosed El Paso	5	1	+4	63
2021	Acquired NXT BankOpened Central City, closed 5 in Illinois	3	5	−2	61
2022	Opened Waterloo	1	0	+1	62
2023	Acquired Town And Country Bank	9	0	+9	71
2024	Closed Lincoln	0	2	−2	69
2026 through Q2	Acquired CNB Bank and Trust, N.A.Closed Clinton	18	1	+17	86

Type	This bank	Peers
Commercial real estate	34%	28%
Multifamily	14%	9%
1-4 family residential	12%	14%
Business (C&I)	11%	26%
Construction and land	9%	7%
Farmland	8%	3%
Agricultural	4%	2%
Consumer	1%	6%
Other	6%	5%

Type	This bank	Peers
Other interest-bearing	56%	55%
Noninterest-bearing	23%	21%
Time deposits	21%	24%

Brokered deposits are 0.0% of deposits (peers 8.0%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/heartland-bank-trust-bloomington-il