Heartland Bank and Trust Company

Bank · Bloomington, United States · overall 5.5 / 10

How this 5.5 is built

Average of 6 scored needs: 5.5. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Heartland Bank And Trust Company is recorded in the global register as a bank in Bloomington, United States. The register shows its licence as licensed. Total assets 6.72 bn USD at 2026-06-30. It reports 87 offices. Established 1971. Collected from open registers.

On its own website: “At Heartland Bank our work is driven by the relationships we build - with our customers, our community, and each other.”

Legal name: Heartland Bank And Trust Company
Licence confirmed: yes, on a regulator's own list
Established: 1971
LEI: EFBDHEMMHTWI378O4988
Website: www.hbtbank.com/

Scores, 0 to 10

8.0Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

5.5Cross-border payments, FX and multi-currency accounts

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “The account must maintain a $2,500 minimum balance to avoid a low monthly fee of $8” · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.