Community First Bank of the Heartland: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank of the Heartland of Mount Vernon, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.22% | 1.35% | +0.87% | 91st top |
| ROAE | 21.51% | 12.05% | +9.46% | 91st top |
| Net Interest Margin | 4.67% | 3.90% | +0.77% | 85th top |
| Efficiency Ratio | 54.31% | 63.15% | -8.84% | 71st above |
| PPNR / Avg Assets | 2.22% | 1.64% | +0.58% | 80th top |
| Yield on Earning Assets | 6.21% | 5.65% | +0.56% | 78th top |
| Cost of Funds | 1.60% | 1.85% | -0.25% | 63rd above |
| Net Interest Spread | 3.99% | 3.35% | +0.64% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.92% | -0.31% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.67% | -0.09% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.15% | -0.04% | 18th bottom |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 43rd below |
| ACL / NPLs (Coverage) | 187.89% | 1645.76% | -1457.87% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.87% | 7.15% | -1.28% | 36th below |
| Provision / NCO | 62.50% | 1189.88% | -1127.38% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.06% | 20.83% | -7.77% | 29th below |
| Tier 1 Ratio | 13.06% | 20.87% | -7.81% | 28th below |
| Total Capital Ratio | 14.12% | 21.94% | -7.82% | 27th below |
| Leverage Ratio | 10.14% | 12.46% | -2.32% | 35th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.67% | -1.17% | 53rd above |
| TCE / Tangible Assets | 9.85% | 11.40% | -1.55% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.90% | 78.64% | +2.26% | 49th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.14% | 87.09% | +1.05% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | 6.48% | -3.77% | 37th below |
| Loan Growth (Y/Y) | -4.12% | 7.64% | -11.76% | 9th bottom |
| Deposit Growth (Y/Y) | 2.29% | 6.02% | -3.73% | 37th below |
See Community First Bank of the Heartland's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First Bank of the Heartland, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community First Bank of the Heartland profile, how to read a UBPR, or how this data updates.