On February 1, Town and Country Bank / Peoples Prosperity Bank merged with Heartland Bank and Trust Company and operate as branches of Heartland Bank. Heartland Bank is a wholly owned subsidiary of HBT Financial, Inc., headquartered in Bloomington, Illinois. The merging of Town and Country Bank / Peoples Prosperity Bank data into Heartland Bank systems begins at close of business on Friday, April 21. To ensure a seamless transition, your online banking, bill pay, and mobile banking services may be unavailable from April 22 until the morning of Monday, April 24.

For the most up-to-date merger information, please visit https://www.hbtbank.com/welcome. Heartland Bank is committed to ensuring a smooth transition with a minimal impact on customers. Please look for additional information in the next few months.

Farm Real Estate Loans

Give your farming operation room to grow. Whether you're just starting out or planning to expand, our local agricultural lenders will work with you to help your farm thrive. We can help customize financing for the land you need to start or grow your business. Need more buildings? An Ag Real Estate Loan can help you rehabilitate old buildings or construct new structures on your existing property.

How can I use an Ag Real Estate Loan?

With an Agricultural Real Estate Loan from Heartland Bank and Trust Company, you can purchase new land, add new buildings to your existing farm, or refinance an existing loan. Our ag financing is available for both owner-occupied and investment properties. If you’re purchasing land with structures in place, an Ag Real Estate Loan can even help pay for the rehabilitation of those older buildings.

Why Choose Heartland Bank and Trust Company?

Heartland Bank and Trust Company proudly offer competitive rates for the purchase, refinance, or construction of farm properties. We personalize all of our farmland loans, and repayment terms are customized to fit around the unique needs of your agribusiness. We pride ourselves on staying connected to our communities, and our lending professionals have a working knowledge of the local agricultural real estate market.

Your Neighbor, Your Bank

As your community bank, we understand the unique needs of our local farms and agribusinesses. Heartland Bank and Trust Company serve and empower local communities in Central Illinois and Metro East, one person or business at a time. Our branch locations include Springfield, Jacksonville, Lincoln, Decatur, Bloomington, Edwardsville, Fairview Heights, and Quincy. Our bankers are ready to connect you with an agricultural lender. 

Benefits of Farm Real Estate Loan

  • Competitive rates for the purchase, refinance, or construction of farm properties
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit around the unique needs of your business
  • Lending professionals with a working knowledge of the local real estate market
  • Local decision-making and processing
  • Detailed, attentive service from application to closing