Bank · FDIC insured
Heartland Bank and Trust Company
A $6.7B bank, the 226th largest of 4,207, headquartered in Bloomington, IL, with 85 branches in 3 states. Best rates: CDs 4.10% and savings 0.50% APY.
Heartland Bank and Trust Company Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#71 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heartland Bank and Trust Company
Founded in 1920, Heartland Bank and Trust Company is headquartered in Bloomington, Illinois.
Tracing its roots to Cornland, Illinois, the bank operates 86 branch locations throughout Illinois, eastern Iowa, and Missouri.
- Headquarters
- 401 N Hershey Rd, Bloomington, IL 61704
- FDIC certificate
- 20369 ↗
Branches
85 branches in 3 states
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Illinois
80 branches
Chicago area · 21
- Antioch Branch485 Lake St, Antioch, IL 60002Directions
- Aurora Branch1575 Ogden Ave, Aurora, IL 60503Directions
- Dekalb Branch205 S 4th St, DeKalb, IL 60115Directions
- Genoa Branch327 W Main St, Genoa, IL 60135Directions
- Hampshire Branch819 Warner St, Hampshire, IL 60140Directions
- Huntley Branch12101 Regency Square Parkway, Huntley, IL 60142Directions
- Minooka Branch500 Bob Blair Rd, Minooka, IL 60447Directions
- Newark Branch301 S Union St, Newark, IL 60541Directions
- Oak Forest Branch5459 159th St, Oak Forest, IL 60452Directions
- Palos Heights Branch12727 S Ridgeland Ave, Palos Heights, IL 60463Directions
- Plainfield Branch14901 S Route 59, Plainfield, IL 60544Directions
- Plainfield Caton Farm Branch5650 Canton Farm Road, Plainfield, IL 60586Directions
- Plano Branch11500 E. Route 34, Plano, IL 60545Directions
- Sandwich Branch200 E Church St, Sandwich, IL 60548Directions
- Schaumburg Branch321 W Golf Rd, Schaumburg, IL 60195Directions
- Shorewood Branch700 W Jefferson St, Shorewood, IL 60404Directions
- Somonauk Branch128 S Depot St, Somonauk, IL 60552Directions
- Sycamore Bethany Branch1985 Dekalb Ave, Sycamore, IL 60178Directions
- Sycamore Downtown Branch124 S Main St, Sycamore, IL 60178Directions
- Tinley Park Branch9400 179th St, Tinley Park, IL 60487Directions
- Western Springs Branch4456 Wolf Rd, Western Springs, IL 60558Directions
Peoria area · 14
- El Paso Branch99 N Elm St, El Paso, IL 61738Directions
- Eureka Center St Branch202 W Center St, Eureka, IL 61530Directions
- Eureka Main Branch108 N Main St, Eureka, IL 61530Directions
- Eureka South Branch1821 S Main St, Eureka, IL 61530Directions
- Germantown Hills Branch379 Old Germantown Rd, Germantown Hills, IL 61548Directions
- Henry Branch703 3rd St, Henry, IL 61537Directions
- Metamora Branch105 N Menard St, Metamora, IL 61548Directions
- Morton Downtown Branch223 S Main St, Morton, IL 61550Directions
- Morton East Courtland Branch179 E Courtland St, Morton, IL 61550Directions
- Pekin Branch3400 Court St, Pekin, IL 61554Directions
- Peoria Allen Branch9010 N Allen Rd, Peoria, IL 61615Directions
- Peoria War Memorial Branch3501 W War Memorial Dr, Peoria, IL 61615Directions
- Washington Cummings Branch100 S Cummings Ln, Washington, IL 61571Directions
- Washington Main Branch130 S Main St, Washington, IL 61571Directions
Bloomington area · 9
- Heartland Bank and Trust CompanyMain office401 N Hershey Rd, Bloomington, IL 61704Directions
- B-N Downtown Branch205 N Main St, Bloomington, IL 61701Directions
- B-N Oakland Branch2111 E Oakland Ave, Bloomington, IL 61701Directions
- B-N West Market Branch2231 W Market St, Bloomington, IL 61705Directions
- Carlock Branch207 W Washington St, Carlock, IL 61725Directions
- Chenoa Branch801 E Cemetery Ave, Chenoa, IL 61726Directions
- Lexington Branch401 W Main St, Lexington, IL 61753Directions
- B-N Ft Jesse Branch1725 Fort Jesse Rd, Normal, IL 61761Directions
- Normal Uptown Branch200 W College Ave, Normal, IL 61761Directions
St. Louis area · 8
- Alton Branch200 Homer M Adams Pkwy, Alton, IL 62002Directions
- Brighton Branch202 N Maple St, Brighton, IL 62012Directions
- Carlinville Branch450 W Side Sq, Carlinville, IL 62626Directions
- Edwardsville Branch10 Terra Verde Ct, Edwardsville, IL 62025Directions
- Fairview Heights Branch303 Fountains Pkwy, Fairview Heights, IL 62208Directions
- Glen Carbon Branch212 Evergreen Ln, Glen Carbon, IL 62034Directions
- Jerseyville Branch533 S State St, Jerseyville, IL 62052Directions
- Virden Branch100 N Dye St, Virden, IL 62690Directions
Ottawa area · 6
- Oglesby Branch501 W Walnut St, Oglesby, IL 61348Directions
- Peru Branch925 Shooting Park Rd, Peru, IL 61354Directions
- Princeton North Main Branch2101 N Main St, Princeton, IL 61356Directions
- Princeton Sixth423 S 6th St, Princeton, IL 61356Directions
- Princeton South Main Branch606 S Main St, Princeton, IL 61356Directions
- Spring Valley Branch100 E Dakota St, Spring Valley, IL 61362Directions
Champaign area · 4
- C-U Springfield Branch2101 W Springfield Ave, Champaign, IL 61821Directions
- C-U Windsor Branch1101 W Windsor Rd, Champaign, IL 61821Directions
- Gibson City Branch130 N Church St, Gibson City, IL 60936Directions
- C-U Vine Branch602 S Vine St, Urbana, IL 61801Directions
Jacksonville area · 4
- Chapin Branch510 Superior St, Chapin, IL 62628Directions
- Jacksonville Branch1604 W Morton Ave, Jacksonville, IL 62650Directions
- Jacksonville Lincoln Branch1211 W Morton Ave, Jacksonville, IL 62650Directions
- Jacksonville Richards Branch903 S Main St, Jacksonville, IL 62650Directions
Springfield area · 3
- Springfield - Dirksen Branch2601 N Dirksen Pkwy, Springfield, IL 62702Directions
- Springfield - Macarthur Branch1925 S Macarthur Blvd, Springfield, IL 62704Directions
- Springfield - Wabash Avenue Branch3601 Wabash Ave, Springfield, IL 62711Directions
Lincoln area · 2
- Lincoln Branch111 N Sangamon St, Lincoln, IL 62656Directions
- Lincoln Woodlawn Branch818 Woodlawn Rd, Lincoln, IL 62656Directions
Carrollton area · 1
- Carrolton Branch600 N Main St, Carrollton, IL 62016Directions
Clinton area · 1
- Clinton Downtown Branch301 S Side Sq, Clinton, IL 61727Directions
Decatur area · 1
- Decatur Branch303 N Main St, Decatur, IL 62523Directions
Farmer City area · 1
- Farmer City Branch333 S Main St, Farmer City, IL 61842Directions
Hillsboro area · 1
- Hillsboro Branch549 S Main St, Hillsboro, IL 62049Directions
Litchfield area · 1
- Litchfield Branch501 N State St, Litchfield, IL 62056Directions
Pittsfield area · 1
- Pittsfield Branch643 W Washington St, Pittsfield, IL 62363Directions
Quincy area · 1
- Quincy Branch3215 Maine St, Quincy, IL 62301Directions
Taylorville area · 1
- Taylorville Branch620 N Webster St, Taylorville, IL 62568Directions
Iowa
4 branches
Cedar Rapids area · 2
- Central City Branch59 4th St N, Central City, IA 52214Directions
- Marion Branch325 Oakbrook Dr, Marion, IA 52302Directions
Iowa City area · 1
- Coralville Branch119 2nd St, Coralville, IA 52241Directions
Waterloo area · 1
- Waterloo Branch4020 Bankers Blvd, Waterloo, IA 50701Directions
Missouri
1 branch
- Clayton Branch168 N Meramec Ave, Clayton, MO 63105Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.94% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.19% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.43% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalLeverage ratio11.94%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.19%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heartland Bank and Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.