🏦Bank Scorer

HEARTLAND BANK AND TRUST COMPANY

BLOOMINGTON, IL · Supervised by FDIC

Est. 1971FDIC #20,369RSSD: FDIC-20369
Part ofHEARTLAND BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

401 N Hershey Rd, BLOOMINGTON, IL

County

Mclean County

Established

February 22, 1971

Total Assets

$6.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$5.8B

Net Loans

$4.6B

Net Income

$16M

ROA

1.08%

ROE

8.47%

Risk-Based Capital

15.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.40%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

68

Branch Deposits

$4.3B

1-Year Change

0

5-year net change: +11 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202484673.4%10.40%
20231,20969.89%10.75%
202284766.59%11.92%
20211,65867.55%10.31%
20202,43473.09%9.20%
20191,02779.75%10.13%
201890272.17%14.41%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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