BlastPoint's Banking Scorecard
Heartland Bank and Trust Company
Designations: ✓ Community bank
Bloomington, IL
88 branches across IL · IA · MO
Heartland Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 46.4% in tier
- - Cost Spiral: Bottom 83.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.8B
+33.0% YoY
+33.6% QoQ
|
+$4.0B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 8.1% in tier |
| Total Loans ? |
$4.6B
+35.3% YoY
+35.5% QoQ
|
+$2.7B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 8.4% in tier |
| Total Deposits ? |
$5.8B
+32.6% YoY
+33.4% QoQ
|
+$3.5B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 7.0% in tier |
| Return on Assets ? |
1.08%
-33.6% YoY
-35.4% QoQ
|
-0.29% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
4.12%
-1.7% YoY
-3.6% QoQ
|
+0.30% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
70.15%
+37.5% YoY
+39.9% QoQ
|
+9.09% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.29%
+91.5% YoY
+29.2% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
79.38%
+2.0% YoY
+1.6% QoQ
|
-4.82% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.51%
-4.2% YoY
-3.1% QoQ
|
+2.22% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.21%
+95.2% YoY
+24.5% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
14.44%
-6.1% YoY
-6.3% QoQ
|
-0.72% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.16%
-10.6% YoY
-78.4% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.