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Heartland Bank and Trust Company
Bloomington, IL·FDIC Cert #20369·Charter: STATE·Est. 19710222.0·HC: HBT FINANCIAL INC
Total Assets
$5.1B
Q4 2025
Return on Assets
1.67%
-0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.13%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.67%-0.01
ROE
13.22%-0.13
Efficiency
50.13%-0.02
Equity/Assets
0.00%+0.00
NPL Ratio
0.22%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.14%+1.05
Charge-offs
0.07%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.5 | 1.5 | 1.6 | 1.6 | 1.6 | 1.7 | 1.7 |
| ROE | 11.9 | 12.8 | 12.9 | 13.3 | 13.1 | 13.2 | 13.3 | 13.2 |
| Efficiency | 51.6 | 50.6 | 50.8 | 50.1 | 51.0 | 50.5 | 50.1 | 50.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 75.7 | 77.2 | 77.5 | 79.0 | 77.8 | 76.2 | 77.1 | 78.1 |
Balance Sheet
Total Assets$5.1B
Total Deposits$4.4B
Total Loans$3.4B
Total Equity$654.3M
Profitability
ROA1.67%
ROE13.22%
Efficiency Ratio50.13%
Net Income$84.3M
Risk & Asset Quality
NPL Ratio0.22%
Charge-off Rate0.07%
Loan/Deposit78.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans