COMMUNITY FIRST BANK OF THE HEARTLAND

MOUNT VERNON, IL | Small | Est. Nov. 5, 1906, midnight | FDIC #3846 | RSSD #273840 | FED
Latest Report: 2025-12-31

COMMUNITY FIRST BANK OF THE HEARTLAND is asn small FDIC-insured commercial bank headquartered in MOUNT VERNON, IL, established in Nov. 5, 1906, midnight. As of 2025-12-31, the bank reported total assets of $265M and total deposits of $237M. Profitability stands at 1.99% ROA and 18.66% ROE, with a net interest margin of 4.69%. The bank's CET1 capital ratio is 12.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 6.09%. FDIC Certificate #3846.

Assets

$265M

Deposits

$237M

Loans

$203M

Equity

$28M

Profitability

Return on Assets (ROA) 1.99%
Return on Equity (ROE) 18.66%
Net Interest Margin (NIM) 4.69%
Yield on Assets 6.37%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.17%
Texas Ratio 6.09%
NPA Ratio 0.70%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 12.67%
Tier 1 Capital 12.67%
Total Capital Ratio 13.72%
Leverage Ratio 10.19%
Loan-to-Deposit 85.91%

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