Community First Bank of the Heartland

BankMount Vernon, Illinois
www.cfbh.bank

Total Assets

$265.4M

Total Deposits

$236.7M

Branches

4

Established

1906

TFS Health Grade

$
C+

78.3 / 100

Average financial health

How we grade

Community First Bank of the Heartland is a bank headquartered in Mount Vernon, Illinois, established in 1906. With $265.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (78.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.19%(8%)
Total Capital Ratio
13.72%(10%)
Non-Performing Loan Ratio
0.80%

Profitability

Return on Assets (ROA)
2.08%(1%)
Return on Equity (ROE)
20.62%(10%)
Net Interest Margin
4.59%
Efficiency Ratio
55.04%(60%)

Lending & Liquidity

Total Loans
$203.3M
Loan-to-Deposit Ratio
84.97%
Net Charge-Off Ratio
0.16%

Growth

Asset Growth (YoY)
-1.45%
Deposit Growth (YoY)
+4.50%
Net Income
$5.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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