Heartland Bank And Trust Company Mortgage Rates, Fees & Info

Bloomington, IL

LEI: EFBDHEMMHTWI378O4988

Tax ID: 37-0924892

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Heartland Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Heartland Bank And Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Bloomington, Peoria, Champaign, and Ottawa among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Heartland Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Heartland Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.03% 4/21/24
    30 Year Conventional Refi 6.76% 4/21/24
    30 Year Cash-out Refi 7.11% 4/21/24
    30 Year FHA Purchase 7.63% 4/21/24
    30 Year USDA Purchase 7.12% 4/21/24
    15 Year Conventional Purchase 6.42% 4/21/24
    15 Year Conventional Refi 6.30% 4/21/24
    15 Year Cash-out Refi 6.30% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Heartland Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Heartland Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    555

    Origination Dollar Volume (All Markets)

    $90,305,000

    Employee count

    668 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 126 $27,230,000 $216,111 $2,450 5.08%
    BLOOMINGTON, IL (FHA|USDA|VA) 185 $26,705,000 $144,351 $1,373 4.86%
    PEORIA, IL (FHA|USDA|VA) 92 $13,490,000 $146,630 $1,503 4.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 58 $10,890,000 $187,759 $1,305 4.95%
    Ottawa, IL (FHA|USDA|VA) 49 $4,745,000 $96,837 $1,781 4.84%
    Outside of Metro Areas 15 $2,115,000 $141,000 $1,480 4.78%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $730,000 $182,500 $2,609 4.77%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $700,000 $350,000 $2,316 4.78%
    Pontiac, IL (FHA|USDA|VA) 7 $635,000 $90,714 $1,528 4.83%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,292 4.80%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $370,000 $185,000 $1,689 4.56%
    JACKSON, MS (FHA|USDA|VA) 1 $325,000 $325,000 $2,420 4.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.50%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,943 4.15%
    Rochelle, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,226 5.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $205,000 $205,000 $1,513 4.55%
    Alexander City, AL (FHA|USDA|VA) 1 $185,000 $185,000 $1,708 4.00%
    Whitewater, WI (FHA|USDA|VA) 1 $175,000 $175,000 $859 6.85%
    Dixon, IL (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.50%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,083 4.73%
    Sevierville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,845 5.60%
    Lincoln, IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,151 5.88%
    Galesburg, IL (FHA|USDA|VA) 1 $35,000 $35,000 $2,028 5.00%
    Macomb, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
    Heartland Bank And Trust Company's top markets include Chicago, Bloomington, Peoria, Champaign, and Ottawa among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Heartland Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FINANCIAL PLUS
    Similarity Rank: 8
    UNITED
    Similarity Rank: 28
    First Bank & Trust IL
    Similarity Rank: 45
    The Fisher National Bank
    Similarity Rank: 90
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Liberty Bank for Savings
    Similarity Rank: 104
    Community Bank of Trenton
    Similarity Rank: 108
    First National Bank of Waterloo
    Similarity Rank: 200
    ILLINOIS STATE CREDIT UNION
    Similarity Rank: 228
    RELIANCE BANK
    Similarity Rank: 238

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 553 $90,005,000 $162,758 $1,663 4.90%
    FHA 2 $300,000 $150,000 $4,664 5.38%

    For 2018, Heartland Bank And Trust Company's most frequently originated type of loan was Conventional, with 553 originations. Their 2nd most popular type was FHA, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 333 $54,005,000 $162,177 $1,951 4.86%
    Cash Out Refi 121 $17,075,000 $141,116 $1,297 4.91%
    Refi 71 $16,375,000 $230,634 $1,293 4.86%
    Home Improvement 16 $1,420,000 $88,750 $950 5.59%
    Other 14 $1,430,000 $102,143 $1,090 5.39%

    For 2018, Heartland Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 333 originations. The 2nd most popular reason was Cash Out Refi, with 121 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 326 $54,090,000 $165,920 $1,817 4.82%
    15 Year 104 $15,310,000 $147,212 $1,615 4.36%
    20 Year 35 $3,605,000 $103,000 $1,166 5.32%
    5 Year 30 $5,550,000 $185,000 $481 5.72%
    Other 26 $5,940,000 $228,462 $802 5.84%
    1 Year 21 $2,125,000 $101,190 $0 5.89%
    10 Year 8 $610,000 $76,250 $1,055 4.60%
    3 Year 5 $3,075,000 $615,000 $809 5.53%

    For 2018, Heartland Bank And Trust Company's most frequently cited loan duration was 30 Year, with 326 originations. The 2nd most popular length was 15 Year, with 104 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 483 $72,475,000 $150,052
    $1k-2k 6 $1,540,000 $256,667
    $3k-4k 1 $355,000 $355,000
    $4k-5k 1 $305,000 $305,000

    Heartland Bank And Trust Company's average total fees were $1,817, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 483 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 347 $57,105,000 $164,568
    5-6% 131 $24,685,000 $188,435
    6-7% 50 $3,740,000 $74,800
    3-4% 27 $4,775,000 $176,852

    During 2018, Heartland Bank And Trust Company's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 4-5%, with 347 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 242 $34,270,000 $141,612 $1,576 4.75%
    $100,000 or less 182 $11,320,000 $62,198 $1,430 5.20%
    $200k-400k 107 $28,265,000 $264,159 $2,180 4.70%
    $400k-600k 14 $6,350,000 $453,571 $2,440 4.99%
    $600k-1MM 6 $4,830,000 $805,000 $2,073 5.16%
    $1MM+ 4 $5,270,000 $1,317,500 $2,157 5.26%

    2018 saw Heartland Bank And Trust Company place emphasis on $100k-200k loans with 242 originations, totaling $34,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 101 $19,005,000 $188,168 $1,804 4.78%
    $50k-75k 101 $12,325,000 $122,030 $1,684 4.78%
    $50k or less 91 $7,625,000 $83,791 $1,486 4.79%
    $75k-100k 83 $12,425,000 $149,699 $1,791 4.74%
    $150k-250k 71 $12,515,000 $176,268 $1,545 4.95%
    $250k+ 37 $9,515,000 $257,162 $2,030 5.08%

    Heartland Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 101 originations. The second most popular income band? $50k-75k, with 101 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 111 $15,225,000 $137,162 $1,587 4.87%
    30-36% 103 $16,265,000 $157,913 $1,720 4.89%
    <20% 66 $9,200,000 $139,394 $1,516 4.76%
    38% 22 $3,490,000 $158,636 $1,453 4.65%
    39% 21 $3,305,000 $157,381 $1,607 4.85%
    42% 19 $5,095,000 $268,158 $1,991 4.61%
    37% 19 $2,335,000 $122,895 $1,560 4.69%
    40% 19 $3,235,000 $170,263 $1,601 4.77%
    43% 19 $2,315,000 $121,842 $1,867 4.68%
    45% 17 $3,305,000 $194,412 $2,169 4.82%
    36% 12 $1,440,000 $120,000 $1,392 4.99%
    41% 12 $1,740,000 $145,000 $1,540 4.63%
    48% 9 $1,685,000 $187,222 $2,422 4.68%
    46% 9 $955,000 $106,111 $1,715 4.81%
    47% 8 $1,370,000 $171,250 $2,433 4.79%
    44% 7 $685,000 $97,857 $1,307 4.90%
    49% 5 $945,000 $189,000 $1,972 4.71%
    50-60% 5 $1,075,000 $215,000 $2,273 4.65%
    >60% 1 $145,000 $145,000 $846 3.75%

    Heartland Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 111 originations. The next most common DTI ratio? 30-36%, with 103 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 487 $72,925,000 $149,743 $1,680 4.83%
    Not applicable 44 $12,540,000 $285,000 $0 5.73%
    Not provided 12 $3,280,000 $273,333 $1,440 4.78%
    Asian 5 $845,000 $169,000 $1,733 4.78%
    Black 4 $350,000 $87,500 $2,171 5.03%
    Native Hawaiian or Islander 1 $195,000 $195,000 $1,066 4.15%
    American Indian 2 $170,000 $85,000 $1,265 5.51%

    Approval Rates

    Total approvals of all applications
    84.18%

    Heartland Bank And Trust Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.20%

    Heartland Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 555 $90,305,000 $162,712

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $7,655,000 $695,909
    Single Family (1-4 Units):Site-Built 544 $82,650,000 $151,930

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $3,450,000 $101,471 $1,406 5.04%
    40-60% 76 $11,700,000 $153,947 $1,564 4.77%
    60-80% 210 $35,340,000 $168,286 $1,797 4.91%
    80-100% 169 $31,815,000 $188,254 $1,828 4.77%
    Over 100% 2 $260,000 $130,000 $0 5.32%
    Under 20% 28 $1,260,000 $45,000 $770 6.20%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Heartland Bank and Trust Company 100 East Dakota Street Spring Valley, IL 61362 Full Service B&M $28,222
    Heartland Bank and Trust Company 100 South Cummings Lane Washington, IL 61571 Full Service B&M $18,041
    Heartland Bank and Trust Company 105 N. Menard Metamora, IL 61548 Full Service B&M $30,379
    Heartland Bank and Trust Company 108 North Main Street Eureka, IL 61530 Full Service B&M $64,740
    Heartland Bank and Trust Company 1101 W Windsor Road Champaign, IL 61821 Full Service B&M $68,926
    Heartland Bank and Trust Company 11500 E. Route 34 Plano, IL 60545 Full Service B&M $10,782
    Heartland Bank and Trust Company 116 South Main Street Mackinaw, IL 61755 Full Service B&M $15,226
    Heartland Bank and Trust Company 12101 Regency Square Parkway Huntley, IL 60142 Full Service B&M $43,134
    Heartland Bank and Trust Company 124 South Main Street Sycamore, IL 60178 Full Service B&M $60,155
    Heartland Bank and Trust Company 128 South Depot Street Somonauk, IL 60552 Full Service B&M $59,243
    Heartland Bank and Trust Company 130 North Church Street Gibson City, IL 60936 Full Service B&M $56,985
    Heartland Bank and Trust Company 130 South Main Street Washington, IL 61571 Full Service B&M $79,825
    Heartland Bank and Trust Company 14901 S. Route 59 Plainfield, IL 60544 Full Service B&M $18,481
    Heartland Bank and Trust Company 1575 Ogden Avenue Aurora, IL 60503 Full Service B&M $22,692
    Heartland Bank and Trust Company 1725 Fort Jesse Road Normal, IL 61761 Full Service B&M $51,981
    Heartland Bank and Trust Company 179 East Courtland Street Morton, IL 61550 Full Service B&M $33,073
    Heartland Bank and Trust Company 1821 South Main Street Eureka, IL 61530 Full Service B&M $1,955
    Heartland Bank and Trust Company 1985 Dekalb Avenue Sycamore, IL 60178 Full Service B&M $73,835
    Heartland Bank and Trust Company 200 East Church Street Sandwich, IL 60548 Full Service B&M $33,423
    Heartland Bank and Trust Company 200 West College Avenue Normal, IL 61761 Full Service B&M $63,381
    Heartland Bank and Trust Company 202 West Center Street Eureka, IL 61530 Limited, Drive-thru $0
    Heartland Bank and Trust Company 205 North Main Street Bloomington, IL 61702 Full Service B&M $41,391
    Heartland Bank and Trust Company 207 West Washington Street Carlock, IL 61725 Full Service B&M $30,520
    Heartland Bank and Trust Company 21 Gletty Road Sandwich, IL 60548 Full Service B&M $22,673
    Heartland Bank and Trust Company 2101 North Main Street Princeton, IL 61356 Full Service B&M $25,952
    Heartland Bank and Trust Company 2101 West Springfield Road Champaign, IL 61821 Full Service B&M $19,658
    Heartland Bank and Trust Company 2111 East Oakland Avenue, Suite A Bloomington, IL 61701 Full Service B&M $15,516
    Heartland Bank and Trust Company 223 South Main Street Morton, IL 61550 Limited, Drive-thru $50,065
    Heartland Bank and Trust Company 2231 West Market Street Bloomington, IL 61704 Full Service B&M $20,455
    Heartland Bank and Trust Company 321 West Golf Road Schaumburg, IL 60196 Full Service B&M $71,741
    Heartland Bank and Trust Company 327 West Main Street Genoa, IL 60135 Full Service B&M $37,885
    Heartland Bank and Trust Company 333 South Main Street Farmer City, IL 61842 Full Service B&M $54,250
    Heartland Bank and Trust Company 3400 Court Street Pekin, IL 61554 Full Service B&M $25,967
    Heartland Bank and Trust Company 3501 West War Memorial Drive Peoria, IL 61615 Full Service B&M $26,150
    Heartland Bank and Trust Company 36044 North Brookside Drive Gurnee, IL 60031 Full Service B&M $22,975
    Heartland Bank and Trust Company 379 Old Germantown Road Metamora, IL 61548 Full Service B&M $18,653
    Heartland Bank and Trust Company 401 North Hershey Road Bloomington, IL 61702 Full Service B&M $240,685
    Heartland Bank and Trust Company 401 West Main Street Lexington, IL 61753 Full Service B&M $12,593
    Heartland Bank and Trust Company 418 Locust Street Delavan, IL 61734 Full Service B&M $12,170
    Heartland Bank and Trust Company 423 South Sixth Street Princeton, IL 61356 Limited, Drive-thru $0
    Heartland Bank and Trust Company 430 East Mississippi Ave Elwood, IL 60421 Full Service Retail $13,980
    Heartland Bank and Trust Company 4456 Wolf Road Western Springs, IL 60558 Full Service B&M $148,777
    Heartland Bank and Trust Company 45 North Fayette Street El Paso, IL 61738 Full Service B&M $3,712
    Heartland Bank and Trust Company 485 Lake Street Antioch, IL 60002 Full Service B&M $90,151
    Heartland Bank and Trust Company 500 Bob Blair Road Minooka, IL 60447 Full Service B&M $22,568
    Heartland Bank and Trust Company 501 West Walnut Street Oglesby, IL 61348 Full Service B&M $24,898
    Heartland Bank and Trust Company 5650 Canton Farm Road Plainfield, IL 60586 Full Service B&M $20,831
    Heartland Bank and Trust Company 602 South Vine Street Urbana, IL 61801 Full Service B&M $11,356
    Heartland Bank and Trust Company 606 South Main Street Princeton, IL 61356 Full Service B&M $147,260
    Heartland Bank and Trust Company 700 West Jefferson Street Shorewood, IL 60431 Full Service B&M $59,962
    Heartland Bank and Trust Company 703 Third Street Henry, IL 61537 Full Service B&M $19,100
    Heartland Bank and Trust Company 801 E. Cemetery Avenue Chenoa, IL 61726 Full Service B&M $33,140
    Heartland Bank and Trust Company 819 Warner Street Hampshire, IL 60140 Full Service B&M $30,195
    Heartland Bank and Trust Company 9010 N. Allen Road Peoria, IL 61615 Full Service B&M $29,418
    Heartland Bank and Trust Company 913 South Fourth Street De Kalb, IL 60115 Full Service B&M $51,143
    Heartland Bank and Trust Company 925 Shooting Park Road Peru, IL 61354 Full Service B&M $73,331
    Heartland Bank and Trust Company 99 North Elm Street El Paso, IL 61738 Full Service B&M $73,664
    Heartland Bank and Trust Company Route 71 And Union Street Newark, IL 60541 Full Service B&M $45,597

    For 2018, Heartland Bank And Trust Company had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $125,402
    Net interest income $120,324
    Total noninterest income $28,758
    Gross Fiduciary activities income $5,968
    Service charges on deposit accounts $7,213
    Trading account gains and fees $0
    Additional Noninterest Income $15,577
    Pre-tax net operating income $65,694
    Securities gains (or losses, -) $-2,059
    Income before extraordinary items $62,768
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $62,768
    Minority interest net income $0
    Net income $62,768
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $64,806

    Heartland Bank And Trust Company's gross interest income from loans was $125,402,000.
    Heartland Bank And Trust Company's net interest income from loans was $120,324,000.
    Heartland Bank And Trust Company's fee based income from loans was $7,213,000.
    Heartland Bank And Trust Company's net income from loans was $62,768,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,078
    Provision for credit losses $5,349
    Total noninterest expense $78,039
    Salaries and employee benefits $49,692
    Premises and equipment expense $9,308
    Additional noninterest expense $19,039
    Applicable income taxes $867
    Net charge-offs $4,522
    Cash dividends $39,500

    Heartland Bank And Trust Company's interest expense for loans was $5,078,000.
    Heartland Bank And Trust Company's payroll and benefits expense were $49,692,000.
    Heartland Bank And Trust Company's property, plant and equipment expenses $9,308,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 2.0%
    HELOC loans 2.0%
    All other family 2.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,440,881
    Deposits held in domestic offices $2,440,881
    Deposits by Individuals, partnerships, and corporations $2,313,545
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $125,065
    Deposits by Commercial banks and other depository institutions in U.S. $2,269
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $388,590
    Demand deposits $218,993
    Nontransaction accounts $2,052,291
    Money market deposit accounts (MMDAs) $405,619
    Other savings deposits (excluding MMDAs) $1,277,312
    Total time deposits $369,360
    Total time and savings deposits $2,221,888
    Noninterest-bearing deposits $582,630
    Interest-bearing deposits $1,858,251
    Retail deposits $2,416,957
    IRAs and Keogh plan accounts $72,713
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,854,664
    Cash & Balances due from depository institutions $100,860
    Interest-bearing balances $82,561
    Total securities $641,460
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,990,490
    Loan and leases loss allowance $18,985
    Trading account assets $0
    Bank premises and fixed assets $53,784
    Other real estate owned $8,801
    Goodwill and other intangibles $36,633
    All other assets $22,636

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,854,664
    Total Liabilities $2,514,596
    Total deposits $2,440,881
    Interest-bearing deposits $1,858,251
    Deposits held in domestic offices $2,440,881
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $46,195
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $27,520

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,990,490
    Loan and leases loss allowance $18,985
    Total loans and leases (domestic) $2,009,475
    All real estate loans $1,515,647
    Real estate loans in domestic offices $1,515,647
    Construction and development loans $226,286
    Residential 1-4 family construction $79,026
    Other construction, all land development and other land $147,260
    Loans secured by nonfarm nonresidential properties $758,420
    Nonfarm nonresidential secured by owner-occupied properties $238,552
    Commercial real estate & other non-farm, non-residential $519,868
    Multifamily residential real estate $132,802
    1-4 family residential loans $295,500
    Farmland loans $102,639
    Loans held in foreign offices $0
    Farm loans $71,182
    Commercial and industrial loans $326,462
    To non-U.S. addressees $0
    Loans to individuals $18,872
    Credit card loans $5,141
    Related Plans $278
    Consumer Auto Loans $1,524
    Other loans to individuals $11,929
    All other loans & leases $77,312
    Loans to foreign governments and official institutions $0
    Other loans $12,499
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $4,847
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,452
    Non 1-4 family restructured loans & leases $5,164
    Total loans and leases (foreign) $0

    Heartland Bank and Trust Company had $1,990,490,000 of loans outstanding in 2018. $1,515,647,000 of loans were in real estate loans. $226,286,000 of loans were in development loans. $132,802,000 of loans were in multifamily mortgage loans. $295,500,000 of loans were in 1-4 family mortgage loans. $71,182,000 of loans were in farm loans. $5,141,000 of loans were in credit card loans. $1,524,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 764 $165,530 $216,662
    Nonfarm, nonresidential loans - <$100k 138 $5,519 $39,993
    Nonfarm, nonresidential loans - $100-250k 235 $26,833 $114,183
    Nonfarm, nonresidential loans - $250k-1MM 391 $133,178 $340,609
    Commercial & Industrial, US addressed loans - <$1MM 3,039 $88,405 $29,090
    Commercial & Industrial, US addressed loans - <$100k 1,777 $14,569 $8,199
    Commercial & Industrial, US addressed loans - $100-250k 465 $20,795 $44,720
    Commercial & Industrial, US addressed loans - $250k-1MM 797 $53,041 $66,551
    Farmland loans - <$1MM 214 $26,316 $122,972
    Farmland loans - <$100k 55 $2,183 $39,691
    Farmland loans - $100-250k 102 $11,398 $111,745
    Farmland loans - $250k-1MM 57 $12,735 $223,421
    Agriculture operations loans - <$1MM 459 $26,582 $57,913
    Agriculture operations loans - <$100k 192 $3,815 $19,870
    Agriculture operations loans - $100-250k 155 $10,107 $65,206
    Agriculture operations loans - $250k-1MM 112 $12,660 $113,036