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Heartland Bank and Trust Company

Our records indicate that this bank has been acquired by Dream First Bank, National Association.


ACH Number: 71102173

Heartland Bank and Trust Company is an FDIC insured institution headquartered at 401 N Hershey Rd, Bloomington, IL 61704.
It was founded in 1971 and has approximately $5 billion in assets. Customers can open an account at one of its 65 branches.

Deposit Rates - June 07, 2026

SAVINGS RATES APY MIN
SAV
0.50% $500,000 Compare
CD RATES APY MIN
6 Mo CD
0.07% $2,500 Compare
9 Mo CD
4.00% $5,000 Compare
12 Mo CD
1.00% $1,500 Compare
15 Mo CD
3.75% $5,000 Compare
18 Mo CD
1.00% $1,500 Compare
24 Mo CD
1.00% $1,500 Compare
36 Mo CD
2.00% $1,500 Compare
48 Mo CD
2.00% $5,000 Compare
60 Mo CD
2.00% $5,000 Compare
MM RATES APY MIN
Money Market
1.51% $50,000 Compare
Money Market
2.27% $500,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $25,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20369
Date Established 1971
Assets $ 5.07 billion
Loans $ 3.42 billion
Deposits $ 4.37 billion
Capital $ 654.27 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 122.27 million
Interest-bearing balances $ 97.85 million
Total securities $ 1,274.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.42 billion
Loan loss allowance $ 41.69 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.96 million
Goodwill and other intangibles $ 91.88 million
All other assets $ 58.02 million
     Total Assets $ 4.41 billion

LIABILITIES
Total deposits $ 4.37 billion
      Interest-bearing deposits $ 3.31 billion
      Deposits held in domestic offices $ 4.37 billion
      % insured (estimated)" 78.77%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 19.42 millionn
      Total Liabilities $ 4.41 billion
      Shareholders’ Equity $ 654.27 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 255.56 million
Total Interest Expense $ 51.91 million
Net interest income $ 203.65 million
Provision for loan and lease losses $ 3.16 million
Total non interest income $ 38.38 million
Total non interest expense $ 124.05 million
Pre-tax Net Operating Income $ 41.86 million

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