SBA lender profile
Heartland Bank and Trust Company
Heartland Bank and Trust Company appears in the public SBA loan data with 293 funded 7(a) loans since FY2010, totaling $105.6M, an average of $361K per loan, and an estimated 3,870 jobs supported. Its SBA lending concentrates in Illinois and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 4.4%. 20.5% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 64
- Scale 73
- Activity 24
- Consistency 77
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Heartland Bank and Trust Company the right lender for you?
Lenders fund what they know. Heartland Bank and Trust Company's SBA lending concentrates in Illinois (284 loans) and Manufacturing (25 loans), at an average loan of $361K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $6.8B
- Headquarters
- Bloomington, IL
- FDIC cert
- #20369
- Status
- Active
Where Heartland Bank and Trust Company lends
Top states by funded SBA volume.
Metro areas where Heartland Bank and Trust Company funds
What Heartland Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 25 | $15.8M |
| Retail Trade | 40 | $15.7M |
| Accommodation and Food Services | 50 | $12.9M |
| Wholesale Trade | 11 | $11.2M |
| Professional and Technical Services | 32 | $10.3M |
| Construction | 26 | $9.4M |
Heartland Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 33 | $9.6M |
| 2011 | 38 | $12.1M |
| 2012 | 36 | $7.6M |
| 2013 | 25 | $8.2M |
| 2014 | 29 | $17.1M |
| 2015 | 29 | $12.4M |
| 2016 | 22 | $5.2M |
| 2017 | 17 | $6.5M |
| 2018 | 11 | $2.4M |
| 2019 | 9 | $4.5M |
| 2020 | 18 | $5.5M |
| 2021 | 17 | $10.6M |
| 2022 | 7 | $3.0M |
| 2023 | 1 | $573K |
| 2024 | 1 | $364K |
Related SBA lenders
Other lenders active in Illinois or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
Heartland Bank and Trust Company: frequently asked questions
Does Heartland Bank and Trust Company offer SBA loans?
Yes. Heartland Bank and Trust Company appears in the public SBA data with 293 funded SBA 7(a) loans totaling $105.6M.
How many SBA loans has Heartland Bank and Trust Company made?
Heartland Bank and Trust Company is associated with 293 SBA 7(a) loans totaling $105.6M in the public SBA data (as of 2026-03-31).
What is Heartland Bank and Trust Company's SBA charge-off rate?
About 4.4% of Heartland Bank and Trust Company's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Heartland Bank and Trust Company do most of its SBA lending?
Heartland Bank and Trust Company's SBA lending in the data is most concentrated in Illinois, and by industry in Manufacturing.
Is Heartland Bank and Trust Company an SBA Preferred Lender (PLP)?
The loan record shows Heartland Bank and Trust Company operating under PLP delegated authority: 60 of its 7(a) loans (20.5%) were processed through the Preferred Lenders Program. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Heartland Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/heartland-bank-and-trust-company/
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