Community First Bank of the Heartland
Community First Bank of the Heartland is an FDIC-insured commercial bank headquartered in Mount Vernon, IL, supervised by the Federal Reserve, with $264.6M in total assets at Q3 2026, up 2.6% from Q3 2025, the 166th largest of 319 banks headquartered in Illinois. It was established in 1906 and holds FDIC certificate 3846. Its CET1 capital ratio was 13.47% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3846
- Headquarters
- Mount Vernon, IL
- Established
- 1906
- Total assets, Q3 2026
- $264.6M
- Assets vs Q3 2025
- +2.6%
- CET1 ratio, Q3 2026
- 13.47%
- Domestic offices
- 4 branches
- Routing number
- 081216758
- Safety and soundness
- Is Community First Bank of the Heartland safe?
- Latest call report
- Q3 2026, FFIEC 051 · Community First Bank of the Heartland call report
- Holding company
- CEDAR BANCORP, INC.
- Asset rank in state
- 166th of 319 in Illinois
Community First Bank of the Heartland is one of the more profitable banks of its size. Its balance sheet stood at $265 million at September 30, 2026, up 2.6% from a year earlier; it is based in Mount Vernon, Illinois. It earns about $2.52 a year on every $100 of assets, about double the median of $1.30 for the 2,624 banks with $100 million to $1 billion in assets. It also shrank its loan book 3.5% over the year, lower than about 9 in 10 banks its size (median 5.8%). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Net income for the quarter rose 19% from a year earlier, to $1.7 million. Over the same year, loans shrank 3.5% and deposits grew 4.1%.
As of September 30, 2026, Community First Bank of the Heartland reported a CET1 capital ratio of 13.47%, a return on assets of 2.52%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 4.40%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Community First Bank of the Heartland is the 166th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 0.8% to $264.6M, loans rose 0.6% and deposits fell 0.8%. Its loan book on September 30, 2026 was led by commercial and industrial loans, at 42.3% of total loans, followed by owner-occupied commercial real estate loans at 16.0%. Its 4 offices in the FDIC Summary of Deposits are in Mount Vernon, IL, Dix, IL and Woodlawn, IL; its Mount Vernon 2 offices book 86% of its branch deposits. On its Q3 2026 call report, Community First Bank of the Heartland meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 117 N 10th St, Mount Vernon, IL 62864
- County
- Jefferson
- Metro Area
- Mount Vernon, IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 5, 1906
- Former names
- First National Bank of Mt. Vernon (1995-2008)
- Domestic offices
- 4 branches
- Employees (FTE)
- 40
- Domestic deposits
- $235.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $184K
- Average total assets
- $264.9M
- Average total loans
- $192.6M
- Average interest-bearing deposits
- $173.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3846
- Fed RSSD
- 273840
- Website
- www.cfbh.bank →
- Parent Holding Company
- CEDAR BANCORP, INC. (RSSD 3575264)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Community First Bank of the Heartland's total assets ranged from $253.8M (Q2 2024) to $270.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$264.6M total assets against $257.8M; $236.9M total liabilities against $230.1M.
$191.4M net loans and leases against $198.2M; $235.9M total deposits against $226.7M.
$46.6M securities against $31.1M; $9.3M cash and balances due against $11.5M.
$3.9M total interest income against $3.8M; $976K total interest expense against $1.0M.
$2.9M net interest income against $2.7M.
$665K total noninterest income against $527K; $1.9M total noninterest expense against $1.8M.
$20K provision for credit losses against $30K.
$1.7M net income against $1.4M.
2.52% return on assets against 2.16%; 4.77% net interest margin against 4.66%.
13.47% CET1 capital ratio against 12.83%; 10.66% tier 1 leverage ratio against 10.26%.
Inside the full Community First Bank of the Heartland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity First Bank of the Heartland rankings
Its closest position to the top of a national ranking is 164 of 3,627, for ROA; its furthest is 2,632 of 4,193, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.91% (Q4 2024) to 2.52% (Q3 2026) and its net interest margin ran from 4.29% (Q1 2025) to 4.77% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.47% | 2.52% | 0.48% | 4.40% | 4.77% |
| Q2 2026 | 13.06% | 2.22% | 0.66% | 3.98% | 4.67% |
| Q1 2026 | 12.56% | 2.22% | 0.99% | 4.65% | 4.60% |
| Q4 2025 | 12.67% | 1.97% | 0.80% | 3.48% | 4.70% |
| Q3 2025 | 12.83% | 2.16% | 1.08% | 4.87% | 4.66% |
| Q2 2025 | 12.49% | 2.16% | 0.91% | 3.52% | 4.58% |
| Q1 2025 | 11.37% | 2.03% | 0.04% | 1.58% | 4.29% |
| Q4 2024 | 11.57% | 1.91% | 0.06% | 1.62% | 4.33% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community First Bank of the Heartland (main office) | Mount Vernon , IL | 62864 | $161.6M |
| Mount Vernon West Branch | Mount Vernon , IL | 62864 | $44.1M |
| Dix Branch | Dix , IL | 62830 | $21.1M |
| Woodlawn Facility | Woodlawn , IL | 62898 | $11.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 5, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2011 | Structure Change | Acquired First State Bank of Dix Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 188 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community First Bank of the Heartland
What are Community First Bank of the Heartland's total assets?
As of the Q3 2026 filing, Community First Bank of the Heartland reported total assets of $264.6 million in its FFIEC call report.
Where is Community First Bank of the Heartland headquartered?
It is headquartered in Mount Vernon, IL, United States.
When was Community First Bank of the Heartland founded?
It was established in 1906, per the FDIC institution directory.
Is Community First Bank of the Heartland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3846). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First Bank of the Heartland?
Community First Bank of the Heartland's primary federal regulator is the Federal Reserve.
What is Community First Bank of the Heartland's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.47% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community First Bank of the Heartland operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community First Bank of the Heartland's Texas Ratio?
Its Texas Ratio is 4.40% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Community First Bank of the Heartland previously called?
The charter now named Community First Bank of the Heartland has also operated as First National Bank of Mt. Vernon (1995-2008), per FDIC structure-change records.
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