Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

HEARTLAND BANK&TRUST CO

FDIC #20369 · IL · period 20260630

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Total assets2,448,361-18.83% YoY

Total deposits2,110,184-19.23% YoY

Net loans and leases1,640,895-16.62% YoY

Return on assets2.20%+34.42% YoY

Return on equity21.36%+42.49% YoY

Net interest margin4.08%+4.33% YoY

Peer position

Return on assets66thin line · n=902

Return on equity43rdin line · n=894

Net interest margin84thstrength · n=902

Equity to assets84thstrength · n=894

Noncurrent loans79thstrength · n=887

Liquid assets64thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits65thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,448,361	2,110,184	1,640,895	2.20	21.36	4.08
2016-06-30	2,937,314	2,529,384	1,983,507	1.70	15.82	4.05
2016-09-30	2,976,678	2,533,338	2,003,157	1.74	16.10	4.06
2016-12-31	2,968,666	2,570,788	1,974,096	1.81	16.71	4.06
2017-03-31	3,016,379	2,612,652	1,968,033	1.64	14.99	3.91
2017-06-30	2,978,859	2,560,657	1,971,049	1.82	16.48	3.92
2017-09-30	2,931,968	2,540,050	1,893,194	1.91	17.31	4.00
2017-12-31	2,965,945	2,551,328	1,972,439	1.75	15.95	4.01
2018-03-31	2,916,541	2,514,865	1,970,771	2.35	21.70	4.17
2018-06-30	2,873,868	2,482,861	1,956,223	2.32	21.12	4.28
2018-09-30	2,833,048	2,433,305	1,980,397	2.33	20.98	4.34
2018-12-31	2,854,664	2,440,881	1,990,490	2.17	19.26	4.39
2019-03-31	2,900,887	2,505,694	2,028,501	2.55	21.97	4.69
2019-06-30	2,858,427	2,452,728	2,048,486	2.16	18.53	4.62
2019-09-30	2,818,116	2,401,146	2,012,358	2.27	19.26	4.61
2019-12-31	2,909,697	2,484,142	1,986,838	2.24	19.11	4.54
2020-03-31	2,899,395	2,458,126	1,949,387	0.94	8.18	4.12
2020-06-30	3,150,158	2,712,773	2,104,662	0.94	8.31	3.88
2020-09-30	3,184,069	2,753,846	2,113,092	1.07	9.60	3.78
2020-12-31	3,663,774	3,173,053	2,229,881	1.17	10.54	3.66
2021-03-31	3,863,051	3,391,372	2,254,828	1.72	16.29	3.32
2021-06-30	3,951,238	3,457,347	2,131,563	1.62	15.27	3.29
2021-09-30	3,935,438	3,433,414	2,131,533	1.59	14.92	3.31
2021-12-31	4,311,088	3,763,157	2,480,695	1.55	14.53	3.32
2022-03-31	4,346,489	3,840,219	2,465,054	1.42	13.71	3.15
2022-06-30	4,221,607	3,725,949	2,432,404	1.43	13.99	3.30
2022-09-30	4,210,636	3,666,155	2,557,165	1.50	14.85	3.46
2022-12-31	4,281,261	3,611,302	2,595,535	1.47	14.64	3.65
2023-03-31	5,007,683	4,311,733	3,161,894	1.01	9.84	4.38
2023-06-30	4,969,533	4,170,711	3,215,670	1.35	12.89	4.39
2023-09-30	4,988,192	4,211,065	3,307,486	1.47	14.01	4.36
2023-12-31	5,069,451	4,418,651	3,366,687	1.51	14.14	4.29
2024-03-31	5,037,163	4,373,373	3,308,626	1.34	11.91	4.05
2024-06-30	5,003,031	4,335,133	3,345,535	1.46	12.82	4.07
2024-09-30	4,989,286	4,298,619	3,331,823	1.50	12.95	4.11
2024-12-31	5,029,359	4,334,433	3,425,688	1.57	13.32	4.11
2025-03-31	5,089,169	4,398,517	3,422,388	1.62	13.05	4.19
2025-06-30	5,015,701	4,341,864	3,308,868	1.65	13.16	4.25
2025-09-30	5,032,013	4,357,907	3,359,561	1.68	13.35	4.27
2025-12-31	5,067,928	4,371,113	3,415,782	1.67	13.22	4.27
2026-03-31	6,769,567	5,832,174	4,629,724	1.08	8.47	4.12
2026-06-30	6,721,503	5,779,073	4,695,711	1.43	11.16	4.41

Structure and branch footprint

87 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-03-01	1	613343	426534
2023-02-01	1	590248	426534
2021-12-11	1	893640	426534
2021-01-01	1	490535	426534
2016-04-30	1	841436	426534
2012-11-03	50	669443	426534
2012-08-25	1	977036	426534
2011-08-06	50	239640	426534
2011-04-09	50	199940	426534
2010-03-06	50	910042	426534
2008-06-17	1	730174	426534
2007-08-01	1	171179	426534
2001-06-01	1	256432	426534
2001-05-02	1	655044	426534
1997-05-29	1	546731	426534
1997-05-29	1	420149	426534
1997-03-01	1	614939	426534
1997-03-01	1	922438	426534

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.