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
Unfavorable gap of $5.3M · efficiency ratio beats 75% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.70% | 1.03% | 1.34% | Beats 93% | 11 / 151 | |
| Return on Equity | 16.74% | 6.74% | 9.34% | 12.94% | Beats 91% | 13 / 151 | |
| Net Interest Margin | 4.27% | 3.02% | 3.43% | 3.83% | Beats 91% | 14 / 151 | |
| Efficiency Ratio | 54.64% | 54.64% | 64.89% | 72.50% | Beats 75% | 38 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.20% | 0.66% | 1.77% | Beats 50% | 75 / 149 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 37% | 95 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 13.06% | 11.83% | 14.17% | 18.66% | Beats 40% | 90 / 151 | |
| Total Risk-Based Capital Ratio | 14.12% | 12.22% | 14.54% | 19.92% | Beats 45% | 83 / 151 | |
| Equity / Assets | 10.50% | 9.10% | 10.65% | 12.40% | Beats 47% | 80 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 80.90% | 54.39% | 71.02% | 80.75% | 75th pctl | 37 / 149 | |
| Loans / Assets | 72.14% | 45.91% | 61.31% | 68.01% | 87th pctl | 20 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |