This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Mount Vernon, IL
Health score
86.2
Total assets
$266.8M
Bank
Manhattan, IL
Health score
81.3
Total assets
$265.9M
Answer first
Community First Bank of the Heartland leads on financial health and profitability and growth; First Bank of Manhattan leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Community First Bank of the Heartland
Higher TFS health score
Capitalization
First Bank of Manhattan
Higher comparable capital ratio
Profitability
Community First Bank of the Heartland
Higher return on assets
Lending quality
First Bank of Manhattan
Lower problem-loan measure
Growth
Community First Bank of the Heartland
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Community First Bank of the Heartland | First Bank of Manhattan |
|---|---|---|
| TFS health score | 86.2/100Leads | 81.3/100 |
| Total assets | $266.8M | $265.9M |
| Total deposits / shares | $237.9M | $239.3M |
| Tier 1 capital ratio | 10.14% | 10.16%Leads |
| Return on assets | 2.22%Leads | 1.42% |
| Return on equity | 21.33%Leads |
Community First Bank of the Heartland
4 branches
First Bank of Manhattan
3 branches
Both institutions report branches in 1 state: IL.
Community First Bank of the Heartland
Unavailable
First Bank of Manhattan
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Community First Bank of the Heartland
0 in TFS registry
First Bank of Manhattan
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Community First Bank of the Heartland score | Community First Bank of the Heartland ROA | First Bank of Manhattan score | First Bank of Manhattan ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.95% | — | 0.50% |
| 2024-Q4 | — | 1.94% | — | 0.55% |
| 2025-Q1 | — | 2.05% | — | 0.75% |
| 2025-Q2 | — | 2.10% | — | 0.82% |
| 2025-Q3 | — | 2.12% | — | 0.88% |
| 2025-Q4 | — | 2.08% | — | 0.96% |
| 2026-Q1 | 83.2/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 14.96% |
| Non-performing loans | 0.66% | 0.00%Leads |
| Net charge-offs | 0.06% | -0.23%Leads |
| Efficiency ratio | 54.64%Leads | 61.98% |
| Loan-to-deposit ratio | 79.98% | 62.68% |
| Asset growth (YoY) | 2.71%Leads | -1.54% |
| Deposit / share growth (YoY) | 2.29%Leads | -3.03% |
| Branches | 4 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 2.21% |
| 75.4/100 |
| 1.06% |
| 2026-Q2 | 86.2/100 | 2.22% | 81.3/100 | 1.42% |