Is Heartland Bank&Trust Co Safe?
Heartland Bank&Trust Co has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is profitability (100/100), while liquidity is its weakest area (90/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.61% | 97/100 |
| Nonperforming Loan Ratio | 0.25% | 95/100 |
| Liquidity Ratio | 27.58% | 90/100 |
| Return on Assets | 2.00% | 100/100 |
| Total Assets | $5.0B | |
How does Heartland Bank&Trust Co compare?
With a Bank Health Score of 95/100, Heartland Bank&Trust Co sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Heartland Bank&Trust Co ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.61% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.25% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Heartland Bank&Trust Co's Bank Health Score improved by 1.0 points to 95/100. Tier 1 capital strengthened by 0.73 percentage points to 14.61%.
Heartland Bank&Trust Co has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is profitability (100/100), while liquidity is its weakest area (90/100).