Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. It is a state-chartered bank that is not a member of the Federal Reserve System, established 02/22/1971 and insured by the FDIC since 02/22/1971. At the 06/30/2026 reporting date it held $6.7 billion in assets and $5.8 billion in deposits across 87 offices.
Size
By total assets it ranks #230 of 4,213 active FDIC-insured banks in the United States. Among the 322 FDIC-insured banks headquartered in Illinois it ranks #12.
Capital and earnings
| Equity capital | $877 million (13.1% of assets) |
|---|---|
| Net income, year to date | $44 million through 06/30/2026 |
| Return on assets (annualized) | 1.43% |
Equity capital is what the bank owns after subtracting its liabilities; a higher share of assets means a thicker cushion against losses. These are the bank’s own regulatory filings, not a rating or a recommendation.
Is it FDIC insured?
Yes. Heartland Bank and Trust Company holds FDIC certificate number 20369. Deposits are insured up to $250,000 per depositor, per insured bank, per ownership category. You can confirm this on the bank’s FDIC BankFind page.
Other large banks in Illinois
- BMO Bank National Association, $255 billion in assets
- The Northern Trust Company, $179 billion in assets
- CIBC Bank USA, $66.5 billion in assets
- Busey Bank, $18.1 billion in assets
- Byline Bank, $9.9 billion in assets
- Wintrust Bank, National Association, $9.6 billion in assets
Banks of a similar size
- City National Bank of West Virginia, #228, $6.8 billion in assets
- Third Coast Bank, #229, $6.7 billion in assets
- Alpine Bank, #231, $6.7 billion in assets
- Midland States Bank, #232, $6.7 billion in assets
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This page reports regulatory data only. It does not show the bank’s rates or products, which change often and are listed on the bank’s own site. hbtbank.com