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Overview / Commentary
401 North Hershey Road
Bloomington, IL 61702

Heartland Bank and Trust Company is headquartered in Bloomington and is the 14th largest bank in the state of Illinois. It is also the 311th largest bank in the nation. It was established in 1971 and as of September of 2017, it had grown to 722 employees at 65 locations. Heartland Bank and Trust Company has a B+ health rating.

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Reviews (2)

Very Good Bank!

Posted by: Anonymous | Sep 4, 2010

i bank with heartland and they are great. now that i see their balance sheet i am very impressed. has good online services and alot of branches around illinois

Great Small Bank

Posted by: amyhess | Jan 16, 2018

We have had an incredibly positive experience using this bank. The small feel and customer service leaves you feeling very important, as if they care about you as an individual. The interest rates offered are extremely competitive and we found them better than most of the large banks in our area. They are willing to help not only in person, but on the phone and through their website. Their web experience is average, but the exceptional customer support more than makes up for that. Highly recommended to anyone in the area!


Health Grade Components

FDIC Certificate #20369
Year Established1971
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD17.31%
Annual Interest Income$87.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.93B$2.98B
LoansQ3 2017vs Q3 2016$1.89B$2.00B
DepositsQ3 2017vs Q3 2016$2.54B$2.53B
Equity CapitalQ3 2017vs Q3 2016$320.0MM$322.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$18.0MM$18.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$16.8MM$18.5MM
Real Estate OwnedQ3 2017vs Q3 2016$15.5MM$17.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heartland Bank and Trust Company Savings Account Rates

0.10%*$25k*-HSA Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.06% $2,500 - $10k | 0.09% $10k - $25k
0.06%$50-Savings Account

Heartland Bank and Trust Company Money Market Rates

0.14%*$50k*-Super Money Market
OTHER TIERS: 0.03% Up to $10k | 0.06% $10k - $25k | 0.10% $25k - $50k

Heartland Bank and Trust Company Checking Account Rates

0.10%*$25k*-Capital Interest Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.06% $2,500 - $10k | 0.09% $10k - $25k
0.05%$50-50+ Free Interest Checking
0.05%$50-VIP Free Interest Checking
0.04%$50-Business Checking w/ Interest

Heartland Bank and Trust Company CD Rates

1.54%$5k-60 Month CD
1.29%$5k-48 Month CD
1.03%$1,500-36 Month CD
0.81%$5k-39 Month New Money CD Special
0.73%$1,500-24 Month CD
0.58%$1,500-18 Month CD
0.30%$1,500-12 Month CD
0.26%$2,500-6 Month CD
0.21%$2,500-3 Month CD

Heartland Bank and Trust Company IRA Rates

0.20%$100-18 Month Variable IRA