Heartland Bank and Trust Company: how it compares with its peers
Against 19 IL banks with half to twice its assets, Heartland Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.41% vs. a 3.39% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $12.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.44% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 3.39% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.17% | 46.56% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $12.1M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.25% | 89.40% | Context |
What it means for lending operations
Its efficiency ratio of 58.17% is above the 46.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Midland States Bank Effingham, IL · $6.69B
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
- Old Second National Bank Aurora, IL · $6.86B
- Northbrook Bank and Trust Company, National Association Northbrook, IL · $6.37B
- Morton Community Bank Morton, IL · $5.35B
- Barrington Bank & Trust Company, National Association Barrington, IL · $5.17B
Questions about Heartland Bank and Trust Company
How big is Heartland Bank and Trust Company?
Heartland Bank and Trust Company, established in 1971, is headquartered in Bloomington, IL. It reported $6.72B in total assets in its Q2 2026 FDIC call report and operates 87 offices.
What is Heartland Bank and Trust Company's return on assets?
1.43% annualized in Q2 2026, against a 1.44% median for 19 IL banks with half to twice its assets, ahead of 47% of them.
What is Heartland Bank and Trust Company's efficiency ratio?
58.17% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 46.56%, and lower is better.
Is Heartland Bank and Trust Company growing its loans?
Net loans grew 41.9% over the year to Q2 2026, while deposits grew 33.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.