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Letter portraitLegal landscapeQuarterYTD

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 $0.4MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $171.7M28%Noninterest $66.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.75%, up 6 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.66% of loans (-25 bps YoY), with net charge-offs at 0.11%.
  • 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.

Return on Assets (quarter, annualized)

1.75%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.31%+8 bps YoY

Efficiency Ratio (quarter, annualized)

55.02%+49 bps YoY

Tier 1 Leverage Ratio

10.14%+30 bps YoY

NIM

5.52%Q2 ’245.82%Q2 ’255.71%Q2 ’26+11%+2%

Non-interest income vs. expense

2.67%Q2 ’242.68%Q2 ’252.72%Q2 ’26+3%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.53%1.63%1.69%1.72%1.58%1.75%1.75%+6 bps
Return on Equity15.94%15.58%17.03%17.34%16.53%14.85%16.86%17.01%-33 bps
Net Interest Margin3.91%4.00%3.96%4.24%4.25%4.30%4.25%4.31%+8 bps
Efficiency Ratio58.60%56.78%55.85%54.53%55.64%54.18%54.27%55.02%+49 bps
Non-Interest Burden1.92%1.86%1.84%1.97%1.99%1.93%1.91%2.06%+9 bps
Growth
Asset Growth (YoY)2.65%2.82%1.54%2.32%-0.36%-1.45%0.07%2.71%+39 bps
Loan Growth (YoY)6.84%7.62%6.68%1.79%-0.59%-6.02%-8.67%-4.12%-591 bps
Deposit Growth (YoY)-3.21%-4.12%1.45%3.87%2.86%4.50%3.60%2.29%-158 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.06%0.04%0.91%1.08%0.80%0.99%0.66%-25 bps
Net Charge-Offs / Loans0.07%0.00%0.04%0.00%0.01%0.62%0.02%0.11%+11 bps
Allowance / Loans1.11%1.04%1.06%1.14%1.15%1.10%1.15%1.15%+1 bps
Allowance Coverage of NPLs9.7x17.0x23.5x1.3x1.1x1.4x1.2x1.7x+0.5x
Capital
Tier 1 Leverage Ratio9.73%9.69%9.19%9.84%10.26%10.19%9.87%10.14%+30 bps
Total Risk-Based Capital13.12%12.59%12.40%13.61%13.95%13.72%13.65%14.12%+52 bps
Equity / Assets9.95%9.69%9.44%10.11%10.74%10.59%10.13%10.50%+39 bps
Liquidity & Funding
Loans / Deposits91.52%95.53%91.66%86.32%88.45%85.91%80.80%80.90%-541 bps
Liquid Assets / Assets0.48%0.69%1.83%2.58%0.50%1.58%5.11%2.10%-49 bps
CRE / Total Capitaln/an/an/an/a237%220%191.65%n/an/a