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Heartland Bank and Trust Company

$1B-$10B Specialty: Commercial IL FDIC cert 20369

Designations: ✓ Community bank

Bloomington, IL

87 branches across IL · IA · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits +33.1% year over year ($5.8B on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.43%.
  • Efficiency ratio 58.17% vs a 59.73% peer average.
  • Loan-to-deposit ratio 81.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL
View $1B-$10B leaderboard (IL) →

Heartland Bank and Trust Company has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 17.7% in tier
  • + Net Interest Margin 0.54% above tier average
  • + Efficiency Ratio 1.56% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.5% in tier
  • - Cost Spiral: Bottom 48.4% in tier
Get updates when Heartland Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $6.7B
+34.0% YoY -0.7% QoQ
+$3.9B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 7.7% in tier
Total Loans ? $4.7B
+41.9% YoY +1.4% QoQ
+$2.7B $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 8.1% in tier
Total Deposits ? $5.8B
+33.1% YoY -0.9% QoQ
+$3.5B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 6.3% in tier
Return on Assets ? 1.43%
-13.0% YoY +33.0% QoQ
+0.04% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.41%
+3.9% YoY +7.1% QoQ
+0.54% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 58.17%
+15.2% YoY -17.1% QoQ
-1.56% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.19%
+13.9% YoY -32.3% QoQ
-0.67% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 81.25%
+6.6% YoY +2.4% QoQ
-3.78% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 23.10%
-6.3% YoY -1.7% QoQ
+1.82% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.15%
+16.4% YoY -30.4% QoQ
-0.53% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 14.75%
-6.3% YoY +2.1% QoQ
-0.09% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.34%
-8.0% YoY +106.8% QoQ
-0.19% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 23.1%
-1.5pp YoY
-0.4pp QoQ
 +1.7pp 21.4% 20.1% 22.2% 65%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 11.2%
-1.5pp YoY
-0.2pp QoQ
 -2.8pp 14.0% 14.7% 12.5% 50%
CRE 58.2%
-1.9pp YoY
+0.2pp QoQ
 +8.2pp 50.0% 37.9% 41.4% 71%
1-4 Family 12.4%
-1.3pp YoY
-0.9pp QoQ
 -14.0pp 26.4% 28.3% 31.3% 23%
Consumer 0.5%
+0.2pp YoY
-0.1pp QoQ
 -4.2pp 4.7% 5.4% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.8%
-1.0pp YoY
+0.3pp QoQ
 -0.8pp 15.6% 19.9% 19.7% 67%
Leverage Ratio 11.9%
0.0pp YoY
-1.7pp QoQ
 +0.6pp 11.3% 12.2% 12.6% 75%
Total Capital Ratio 15.8%
-1.0pp YoY
+0.3pp QoQ
 -0.9pp 16.7% 20.9% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 1,028
+208 (+25.4%) YoY
-34 (-3.2%) QoQ
 +714 313 228 482 98%
Assets per Employee ($) $6.5M
+6.9% YoY
+2.6% QoQ
 -$3.9M $10.5M $8.3M $8.8M 18%
Branch Count 87
+17 (+24.3%) YoY
0 QoQ
 +67 20 10 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.2pp 0.2% 0.4% 0.4% 2%
Nonaccrual 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.6pp 0.8% 1.1% 1.0% 21%
Allowance Coverage 6.66x
-10.0% YoY
+45.8% QoQ
 -12.05x 18.71x 5.62x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.2%
-2.0pp YoY
+2.7pp QoQ
 -1.4pp 12.6% 10.5% 11.6% 42%
Cost of Funds (YTD) 1.1%
0.0pp YoY
+0.1pp QoQ
 -0.8pp 1.9% 1.6% 1.7% 7%
Net Income ($, YTD) $44.4M
+6.7% YoY
— QoQ
 +$25.1M $19.2M $11.7M $40.4M 91%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#40 of 221 • Top 17.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#43 of 492 • Bottom 8.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Cost Spiral

risk
#16 of 31 • Bottom 48.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.17%
(Tier: 59.73%, National: 70.05%)
better than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

57
Total Deposits
size
Value: $5.78B
Peer Median: $2.32B
#57 of 885 Top 6.3% in $1B-$10B
69
Total Assets
size
Value: $6.72B
Peer Median: $2.79B
#69 of 885 Top 7.7% in $1B-$10B
73
Total Loans
size
Value: $4.70B
Peer Median: $1.96B
#73 of 885 Top 8.1% in $1B-$10B
140
Net Interest Margin
profitability
Value: 4.41%
Peer Median: 3.87%
#140 of 885 Top 15.7% in $1B-$10B
183
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#183 of 885 Top 20.6% in $1B-$10B
189
Delinquency Rate
credit_quality
Value: 0.19%
Peer Median: 0.87%
#189 of 882 Top 21.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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