Ah, Physics!
Heat energy = mass x specific heat capacity x temp change
Given your tank is 16 Gallons (lets say UK Gallons, as thats where I am!) which is 72 litres. Given one litre is one kilo, that 72kg.
The SHC of water is 4200 Joules/kg/degC.
You don't say your temps, but if the water came straight from the tap and you want 26 degrees, thats about 8 degrees rise.
Therefore, the heat energy needed is
72x4200x8 = 2419200 J!!
Given that Joules are watts per second, and the power output of your heater would be measured in watts, we can roughly calc the amount of time taken to heat your water with your heater!
Rearanging the equation gives you time = Joules/Watts.
Therefore, 2419200/100 = 24192 seconds
which is 403 mins, or 6 hours and 45 mins!!!
Glad to be of help, I'm here till Wednesday!