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Community First Bank of the Heartland

Mount Vernon, IL · Cert 3846 · Cedar Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community First Bank of the Heartland

Mount Vernon, IL · Cert 3846 · Cedar Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$266.8MAssets
$192.4MLoans
$237.9MDeposits
$28.0MEquity
Loan mix
54%RE $98.8M45%C&I $82.7M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $171.7M28%Noninterest $66.2MQ2 2025Q2 2026

NIM

5.48%Q2 ’245.90%Q2 ’255.67%Q2 ’26+9%+2%

Non-interest income vs. expense

2.63%Q2 ’242.71%Q2 ’252.72%Q2 ’26+9%+2%

Executive Summary

  • Earnings: ROA of 1.75%, up 9 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.66% of loans (-25 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.14%, up 30 bps from a year ago.
  • Funding: loans stand at 80.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+9 bps YoY

Efficiency Ratio (YTD, annualized)

54.64%-55 bps YoY

Tier 1 Leverage Ratio

10.14%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.68%1.66%1.75%1.75%+9 bps
Return on Equity17.10%16.84%16.39%16.86%16.85%-25 bps
Net Interest Margin4.17%4.23%4.19%4.25%4.27%+9 bps
Efficiency Ratio55.19%55.34%55.04%54.27%54.64%-55 bps
Non-Interest Burden1.94%1.97%1.93%1.91%1.98%+4 bps
Growth
Asset Growth (YoY)2.32%-0.36%-1.45%0.07%2.71%+39 bps
Loan Growth (YoY)1.79%-0.59%-6.02%-8.67%-4.12%-591 bps
Deposit Growth (YoY)3.87%2.86%4.50%3.60%2.29%-158 bps
Asset Quality
Nonperforming Loans / Loans0.91%1.08%0.80%0.99%0.66%-25 bps
Net Charge-Offs / Loans0.02%0.02%0.17%0.02%0.07%+5 bps
Allowance / Loans1.14%1.15%1.10%1.15%1.15%+1 bps
Allowance Coverage of NPLs1.3x1.1x1.4x1.2x1.7x+0.5x
Capital
Tier 1 Leverage Ratio9.84%10.26%10.19%9.87%10.14%+30 bps
Total Risk-Based Capital13.61%13.95%13.72%13.65%14.12%+52 bps
Equity / Assets10.11%10.74%10.59%10.13%10.50%+39 bps
Liquidity & Funding
Loans / Deposits86.32%88.45%85.91%80.80%80.90%-541 bps
Liquid Assets / Assets2.58%0.50%1.58%5.11%2.10%-49 bps
CRE / Total Capitaln/a237%220%191.65%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community First Bank of the Heartland

Mount Vernon, IL · Cert 3846 · Peer group: banks under $1B in assets in IL (n=149-151) · Cedar Bcorp Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$266.8MAssets
$192.4MLoans
$237.9MDeposits
$28.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 93% of banks under $1B in assets in IL (rank 11 of 151).
  • Widest gap: net charge-offs / loans trails 63% of banks under $1B in assets in IL (rank 95 of 149).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.76%

Rank 11 of 151

Net Interest Margin

4.27%

Rank 14 of 151

Efficiency Ratio

54.64%

Rank 38 of 151

Equity / Assets

10.50%

Rank 80 of 151

Non-interest income vs. expense

$2.0M$7.3MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 75% of banks under $1B in assets in IL
Bank 54.64%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.70%1.03%1.34%Beats 93%11 / 151
Return on Equity16.74%6.74%9.34%12.94%Beats 91%13 / 151
Net Interest Margin4.27%3.02%3.43%3.83%Beats 91%14 / 151
Efficiency Ratio54.64%54.64%64.89%72.50%Beats 75%38 / 151
Asset Quality
Nonperforming Loans / Loans0.66%0.20%0.66%1.77%Beats 50%75 / 149
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 37%95 / 149
Capital
Tier 1 Capital Ratio13.06%11.83%14.17%18.66%Beats 40%90 / 151
Total Risk-Based Capital Ratio14.12%12.22%14.54%19.92%Beats 45%83 / 151
Equity / Assets10.50%9.10%10.65%12.40%Beats 47%80 / 151
Liquidity & Funding
Loans / Deposits80.90%54.39%71.02%80.75%75th pctl37 / 149
Loans / Assets72.14%45.91%61.31%68.01%87th pctl20 / 151
Brokered Deposits / Depositsn/aNot reported for this institution