BlastPoint's Banking Scorecard
Heartland Bank and Trust Company
Mid-Market
Specialty: Commercial
IL
FDIC cert 20369
Designations: ✓ Community bank
Bloomington, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Heartland Bank and Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.1B
+0.8% YoY
+0.7% QoQ
|
-$5.4B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$3.4B
-0.3% YoY
+1.7% QoQ
|
-$3.7B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$4.4B
+0.8% YoY
+0.3% QoQ
|
-$4.2B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.67%
+6.7% YoY
-0.4% QoQ
|
+0.51% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.27%
+4.0% YoY
+0.2% QoQ
|
+0.88% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
50.13%
+0.1% YoY
-0.0% QoQ
|
-6.48% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.22%
-1.0% YoY
-2.8% QoQ
|
-0.46% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
78.14%
-1.1% YoY
+1.4% QoQ
|
-7.33% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
24.27%
-1.0% YoY
+1.2% QoQ
|
+3.63% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.17%
+6.1% YoY
-1.0% QoQ
|
-0.33% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
15.42%
+2.1% YoY
+0.2% QoQ
|
+1.87% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.76%
-3.1% YoY
+34.3% QoQ
|
-0.20% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#17 of 50 · Top 33% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.22%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%
84
84th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 13.55%
82
82th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
75
75th pctile
Loan-to-Deposit Ratio
Current: 78.14% · Tier avg: 85.47%
74
74th pctile
Efficiency Ratio
Current: 50.13% · Tier avg: 56.60%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 24.27% · Tier avg: 20.64%
62
62th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.96%
10
10th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
7
7th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
2
2th pctile
Total Assets
Current: $5.1B · Tier avg: $10.5B
Top Weaknesses
2
2th pctile
Total Assets
Current: $5.1B · Tier avg: $10.5B
7
7th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
10
10th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
62
62th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.96%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 24.27% · Tier avg: 20.64%
74
74th pctile
Efficiency Ratio
Current: 50.13% · Tier avg: 56.60%
75
75th pctile
Loan-to-Deposit Ratio
Current: 78.14% · Tier avg: 85.47%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 13.55%
84
84th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
88
88th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%