Heartland Bank and Trust Company
Bloomington, IL · Cert 20369 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · HBT Financial Inc.
State charter, non-member · FDIC · 85 branches
Q2 2026
$6.7BAssets
$4.8BLoans
$5.8BDeposits
$877.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of banks $1B-$10B in assets operating regionally (rank 25 of 176).
- Widest gap: return on equity trails 64% of banks $1B-$10B in assets operating regionally (rank 113 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.32%
Rank 76 of 176
Net Interest Margin
3.86%
Rank 51 of 176
Efficiency Ratio
59.71%
Rank 90 of 176
Equity / Assets
13.05%
Rank 24 of 176
Non-interest income vs. expense
Unfavorable gap of $135.2M · efficiency ratio beats 49% 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% | 0.93% | 1.26% | 1.54% | Beats 57% | 76 / 176 | |
| Return on Equity | 10.11% | 9.26% | 11.89% | 14.46% | Beats 36% | 113 / 176 | |
| Net Interest Margin | 3.86% | 3.25% | 3.59% | 3.93% | Beats 71% | 51 / 176 | |
| Efficiency Ratio | 59.71% | 52.79% | 59.55% | 67.66% | Beats 49% | 90 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.30% | 0.64% | 1.32% | Beats 86% | 25 / 176 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 59% | 74 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 11.15% | 12.72% | 14.15% | Beats 82% | 32 / 176 | |
| Total Risk-Based Capital Ratio | 15.80% | 11.81% | 13.63% | 15.33% | Beats 81% | 33 / 176 | |
| Equity / Assets | 13.05% | 9.16% | 10.35% | 11.80% | Beats 86% | 24 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 82.30% | 80.94% | 89.73% | 97.21% | 28th pctl | 126 / 176 | |
| Loans / Assets | 70.76% | 69.25% | 75.12% | 80.82% | 30th pctl | 123 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |