Heartland Bank and Trust Company Rates and Review February 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityHeartland Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heartland Bank and Trust Company? Share your experience about Heartland Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Heartland Bank and Trust Company. Heartland Bank and Trust Company Texas RatioHeartland Bank and Trust Company's Texas Ratio is at 1.89%, which is considered excellent. The Texas Ratio for Heartland Bank and Trust Company is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Heartland Bank and Trust Company has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Heartland Bank and Trust Company is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Current Rate AvailabilityWe do not have Heartland Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Heartland Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Heartland Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heartland Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & OverviewHeartland Bank and Trust Company
401 N Hershey RdBloomington, IL 61704 Mclean Established Date: 02/22/1971 FDIC Certificate #: 20369 Date of FDIC Deposit Insurance: 02/22/1971 Bank Holding Company: HBT FINANCIAL INC How Many Domestic U.S. Offices? 70 How Many Branches are There? 70 Website: https://www.hbtbank.com
Is Heartland Bank and Trust Company FDIC Insured? Yes
What is Heartland Bank and Trust Company's Cert number? 20369
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$5,037,163,000
Total Deposits:
$4,373,373,000
Equity Capital:
$573,720,000
Net Income:
$16,928,000
Return on Assets (ROA):
1.4733%
Return on Equity (ROE):
14.0100%
Headquarters:
Bloomington
Regulator:
FDIC
# of Offices:
70
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Heartland Bank and Trust Company yet. Feel free to create one below.
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Frequently Asked Questions About Heartland Bank and Trust CompanyHow do I open an account at Heartland Bank and Trust Company?You can typically open an account at Heartland Bank and Trust Company by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Heartland Bank and Trust Company provides a range of mortgage and home equity products. Is Heartland Bank and Trust Company a safe place to deposit money?Yes, Heartland Bank and Trust Company is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Heartland Bank and Trust Company offer online and mobile banking?Most modern institutions like Heartland Bank and Trust Company provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Heartland Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 1.44%, 6-month CD rates at 2.53% and 3-month CD rates at 2.75%. Savings rates are at 0.26% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates, and more, can be found in our database of rates which you can compare to 
