State Bank of Lincoln Customers, We Welcome You to Heartland Bank!

One location for all your transition information and resources.

Transition Information

On December 31, 2018, State Bank of Lincoln became a subsidiary of HBT Financial, Inc., which also owns Heartland Bank and Trust Company, both headquartered in Bloomington, IL. State Bank of Lincoln and Heartland Bank have many similarities and have been closely associated for many years.

On December 31, 2020, State Bank of Lincoln merged with Heartland Bank. Beginning January 2021, our four Lincoln offices will operate as State Bank of Lincoln, a Division of Heartland Bank and Trust Company and our two Clinton offices will operate under the Heartland Bank and Trust Company name. While the names will change, the ownership by HBT Financial remains the same.

In mid-March 2021, we will bring the two banks’ systems together and you will be able to take full advantage of additional products, services and locations while still being part of the community banking experience.

In the meantime:

  • Continue to access your funds as usual using your current supply of checks, ATM/debit cards, and the Lincoln and Clinton locations.
  • Direct deposits and automatic payments will continue as scheduled.
  • Continue to access your accounts online and through your telephone banking service.
  • Make your loan payments payable to Heartland Bank beginning January 1, 2021.
  • Please refer to the below Questions & Answers support for additional information.

Questions & Answers

It is important to us that you continue as a satisfied customer! Rest assured, teams at both banks are working hard to ensure a smooth and effortless transition for you! Following are answers to a few questions you may already have about the State Bank of Lincoln consolidation with Heartland Bank and Trust Company. We will provide you with additional information in the coming months as details become available.

Heartland Bank and Trust Company is a strong community bank whose banking roots go back three generations to a founding principle of neighborly service. Headquartered in Bloomington, Illinois, the bank has offices in central and northern Illinois. Heartland Bank and State Bank of Lincoln have a long history of affiliation and we look forward to serving you!

For now, it’s business as usual! We will provide written notification well in advance of any changes.

You will be able to use other Heartland Bank locations once systems are merged in mid-March 2021. Until then, please continue to use your current locations. We will post more information on our website as it becomes available.

As has been the case for several years, you may use any Heartland Bank ATM free of charge.

Yes. Heartland Bank is FDIC-insured and your deposits will continue to be covered by FDIC insurance as they are now. The FDIC standard coverage per depositor per financial institution is $250,000.

Your State Bank of Lincoln deposits will be separately insured through at least June 2021. This grace period gives you the opportunity to restructure the accounts, if necessary.

The FDIC has useful tools online to help you determine your FDIC insurance coverage. Visit for more information or visit your local office.

Yes. Please continue to access your accounts just as you normally do.

Yes. State Bank of Lincoln checks will be processed just as they always have.

The vast majority of account numbers will remain the same. If you happen to have an account number that needs to be changed, we will contact you. And no need to worry, we will order new checks for you!

Yes. Continue banking electronically as you currently do until State Bank of Lincoln's banking system converts to Heartland Bank's banking system in mid-March 2021. Heartland Bank also offers these services, which operate very similarly to your current services.

Your direct deposit or automatic transfers will continue as usual.

Yes, you may continue to use this convenient service. When Heartland Bank’s 24-hour TeleBank service is available for former State Bank of Lincoln customers, you will be notified.

The terms of your Certificate of Deposit remain the same. Please consult the account terms and conditions or speak with us about your account.

Heartland Bank will be the new plan administrator for these accounts.

You may continue to access your safe deposit box just as you always have.

Please make your loan payments as you usually do. Checks should be made payable to Heartland Bank beginning January 1, 2021.

Heartland Bank is a full-service financial institution. In addition to personal and business deposit and loan products, we offer Treasury Management services for businesses. Also, State Bank of Lincoln began offering Wealth Management services through Heartland Bank in 2019.

Heartland Bank has a long history of providing a comprehensive line of products and services, competitively priced and conveniently delivered to customers! In the near future, you will have access to all Heartland Bank locations and will be able to take full advantage of all that Heartland Bank has to offer. For now, it’s business as usual for State Bank of Lincoln customers. Please continue banking as you always have!

Important Dates

December 31, 2020State Bank of Lincoln legally merges with Heartland Bank and Trust Company
Weekend of March 12, 2021State Bank of Lincoln banking system converts to Heartland Bank banking system