Heartland Bank And Trust Company is a bank based in Bloomington, Illinois, established in 1971, with $6.8 billion in total assets across 88 branches. By Trust Grade it ranks 134th of 328 banks we track in Illinois. Its capital ratio of 12.6% is stronger than 83% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.08% return on assets. Consumers filed 16 complaints about HEARTLAND FINANCIAL USA, INC. with the CFPB — 2.4 per $1B in assets, a lower rate than 70% of peers.
How Heartland Bank And Trust Company compares to Illinois peers
How we graded Heartland Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.6% capital ratio)
- Strongly profitable (ROA 1.08%)
- 2.4 complaints per $1B in assets
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
16 complaints filed with the CFPB against HEARTLAND FINANCIAL USA, INC. — 2.4 per $1B in assets.
These records were matched to Heartland Bank And Trust Company by name and may include complaints filed against other institutions with similar names. Complaint counts reflect what consumers reported to the CFPB and are not findings of wrongdoing. Report a mismatch →
Branch locations (88)
- 333 S Main St, Farmer City, IL 61842
- 643 W Washington St, Pittsfield, IL 62363
- 801 E Cemetery Ave, Chenoa, IL 61726
- 1925 S Macarthur Blvd, Springfield, IL 62704
- 321 W Golf Rd, Schaumburg, IL 60195
- 925 Shooting Park Rd, Peru, IL 61354
- 3400 Court St, Pekin, IL 61554
- 401 N Hershey Rd, Bloomington, IL 61704
- 1985 Dekalb Ave, Sycamore, IL 60178
- 700 W Jefferson St, Shorewood, IL 60404
- 202 W Center St, Eureka, IL 61530
- 100 S Cummings Ln, Washington, IL 61571
- 423 S 6th St, Princeton, IL 61356
- 501 W Walnut St, Oglesby, IL 61348
- 500 Bob Blair Rd, Minooka, IL 60447
- 819 Warner St, Hampshire, IL 60140
- 202 N Maple St, Brighton, IL 62012
- 220 E Van Buren St, Clinton, IL 61727
- 818 Woodlawn Rd, Lincoln, IL 62656
- 485 Lake St, Antioch, IL 60002
- 533 S State St, Jerseyville, IL 62052
- 200 Homer M Adams Pkwy, Alton, IL 62002
- 130 N Church St, Gibson City, IL 60936
- 606 S Main St, Princeton, IL 61356
- 450 W Side Sq, Carlinville, IL 62626
- 3601 Wabash Ave, Springfield, IL 62711
- 207 W Washington St, Carlock, IL 61725
- 205 N Main St, Bloomington, IL 61701
- 205 S 4th St, Dekalb, IL 60115
- 124 S Main St, Sycamore, IL 60178
- 111 N Sangamon St, Lincoln, IL 62656
- 100 N Dye St, Virden, IL 62690
- 903 S Main St, Jacksonville, IL 62650
- 105 N Menard St, Metamora, IL 61548
- 549 S Main St, Hillsboro, IL 62049
- 2101 N Main St, Princeton, IL 61356
- 703 3rd St, Henry, IL 61537
- 12101 Regency Square Parkway, Huntley, IL 60142
- 5650 Canton Farm Road, Plainfield, IL 60586
- 14901 S Route 59, Plainfield, IL 60544
Are deposits at Heartland Bank And Trust Company insured?
Yes. Heartland Bank And Trust Company is an FDIC-insured bank (FDIC certificate #20369). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heartland Bank And Trust Company: frequently asked questions
Is Heartland Bank And Trust Company a good bank?
Heartland Bank And Trust Company earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 98/100 and a customer-experience score of 81.86/100. Strongly capitalized (12.6% capital ratio); Strongly profitable (ROA 1.08%).
Is Heartland Bank And Trust Company FDIC-insured?
Yes. Heartland Bank And Trust Company is a FDIC-insured bank (FDIC certificate #20369). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Heartland Bank And Trust Company?
Heartland Bank And Trust Company holds $6.8 billion in total assets, ranking 134th of 328 banks we track in Illinois. It operates 88 branches.
How many complaints does Heartland Bank And Trust Company have?
Consumers filed 16 complaints about HEARTLAND FINANCIAL USA, INC. with the CFPB, or 2.4 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
