FDIC Cert #20369 · Bloomington, Illinois · Est. 1971

Heartland Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Heartland Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.1B
Total assets
A
Health grade · Excellent
1.67%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Heartland Bank and Trust Company earns a PlainBankData health grade of A (97/100), with well-capitalized at 15.42% Tier 1, profitable at 1.67% ROA, efficient (50% cost ratio).

#287
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
15.42%
Tier 1 ratio - above the 10% well-capitalized line
82nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20369 · IL A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #159/4307
  • PHOTO-FINISH American Bank · MT
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-STRONG 1.67% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: American Bank, MT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heartland Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank · MT · near97/100Citizens Bank of the… · GA ·…97/100Heartland Bank and T… · IL ·…97/100Texas State Bank · TX · near97/100West Central Georgia… · GA ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heartland Bank and Trust Company · July 2026

Call Report read for Heartland Bank and Trust Company in a high-failure state

Heartland Bank and Trust Company (FDIC Cert #20369) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #159 of 4,307. Tier 1 capital prints at 15.42%, clearing the 10% well-capitalized line. The Texas Ratio is 1.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.67%. Balance-sheet scale is $5.1B, 287th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Bank (MT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heartland Bank and Trust Company

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Heartland Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Heartland Bank and Trust Company's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Heartland Bank and Trust Company's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Heartland Bank and Trust Company's composite health score
Tier 1 Capital Ratio (15.42%) 40/40
Return on Assets (ROA) (1.67%) 25/25
Texas Ratio (1.09%) 20/20
Efficiency Ratio (50.13%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.1B

Total balance-sheet footings

Total Deposits

$4.4B

Customer-funded liabilities

Net Loans

$3.4B

Outstanding loan book

Net Income

$84M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.02% 15.42% 16.82%
Basel III capital ratios - Heartland Bank and Trust Company

Where Heartland Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heartland Bank and Trust Company's score of 97/100 falls in the highlighted band.

Heartland Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Heartland Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heartland Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heartland Bank and Trust Company's $5.1B falls in the highlighted band.

Capital & credit buffers at Heartland Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

15.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.42%
Texas Ratio
1.09%
Equity Capital
$654M

What these ratios mean →

Earnings posture at Heartland Bank and Trust Company

Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
13.22%
Efficiency Ratio
50.13%

What these mean →

Income & expense at Heartland Bank and Trust Company

$256M
Interest Income
$38M
Non-Interest Income
$124M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heartland Bank and Trust Company reports a Texas Ratio of 1.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heartland Bank and Trust Company on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.1B here), outside Illinois so the neighborhood is not state containment.

Southern Bank $5.0B · MO First National Bank Alaska $5.1B · AK Leader Bank $5.0B · MA Community Bank of Mississippi $5.0B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heartland Bank and Trust Company (FDIC Cert #20369) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Heartland Bank and Trust Company Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%