Heartland Bank and Trust Company
Bloomington, IL · Cert 20369 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · HBT Financial Inc.
State charter, non-member · FDIC · 85 branches
Q2 2026
$6.7BAssets
$4.8BLoans
$5.8BDeposits
$877.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating regionally (rank 22 of 178).
- Widest gap: return on equity trails 63% of banks $1B-$10B in assets operating regionally (rank 113 of 178).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.32%
Rank 77 of 178
Net Interest Margin
3.86%
Rank 50 of 178
Efficiency Ratio
59.71%
Rank 94 of 178
Equity / Assets
13.05%
Rank 22 of 178
Non-interest income vs. expense
Unfavorable gap of $135.2M · efficiency ratio beats 48% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.91% | 1.25% | 1.53% | Beats 57% | 77 / 178 | |
| Return on Equity | 10.11% | 9.18% | 11.89% | 14.44% | Beats 37% | 113 / 178 | |
| Net Interest Margin | 3.86% | 3.22% | 3.56% | 3.91% | Beats 72% | 50 / 178 | |
| Efficiency Ratio | 59.71% | 52.04% | 58.90% | 67.10% | Beats 48% | 94 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.29% | 0.60% | 1.26% | Beats 86% | 26 / 178 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 57% | 77 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 11.19% | 12.72% | 14.14% | Beats 81% | 33 / 178 | |
| Total Risk-Based Capital Ratio | 15.80% | 11.91% | 13.63% | 15.33% | Beats 81% | 34 / 178 | |
| Equity / Assets | 13.05% | 9.12% | 10.35% | 11.80% | Beats 88% | 22 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 82.30% | 80.94% | 89.92% | 97.12% | 29th pctl | 127 / 178 | |
| Loans / Assets | 70.76% | 69.25% | 75.52% | 80.96% | 30th pctl | 125 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |