Bank Safety Analysis
Is Community First Bank of the Heartland Safe? Mount Vernon, Illinois
Based on its Q3 2026 call report, Community First Bank of the Heartland meets every capital ratio test for well capitalized, its Texas ratio is 4.40%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Community First Bank of the Heartland safe?
On its Q3 2026 call report, Community First Bank of the Heartland's CET1 ratio is 13.47%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 13.47%
- Tier 1 leverage ratio (Q3 2026): 10.66%
- Texas ratio (Q3 2026): 4.40%
- Noncurrent loans ratio (Q3 2026): 0.48%
Community First Bank of the Heartland is an FDIC-insured commercial bank (FDIC Certificate #3846). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Community First Bank of the Heartland (FDIC Certificate #3846) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Community First Bank of the Heartland passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The largest change between Q2 2026 and Q3 2026 was in return on assets, which rose 0.30 percentage points to 2.52%. Community First Bank of the Heartland ranks 120th of 176 Illinois banks on CET1 ratio, in the lower half at 13.47% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. Community First Bank of the Heartland sits 1.77 points lower, at 13.47% (Q3 2026). From Q4 2023 to Q3 2026, Community First Bank of the Heartland's CET1 ratio ranged between 11.37% (Q1 2025) and 13.47% (Q3 2026) and its Texas ratio ranged between 1.58% (Q1 2025) and 4.87% (Q3 2025). Between Q3 2025 and Q3 2026, Community First Bank of the Heartland's CET1 ratio rose from 12.83% to 13.47%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.08% to 0.48%, Texas ratio fell from 4.87% to 4.40% and return on assets rose from 2.16% to 2.52%.
Of the 319 banks headquartered in Illinois, Community First Bank of the Heartland is the 166th largest by total assets at Q3 2026. Commercial and industrial loans are its largest loan category, $81.9M of $193.5M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Community First Bank of the Heartland's CET1 ratio of 13.47% is below the 15.24% median, Tier 1 leverage ratio of 10.66% is below the 11.09% median, nonperforming loans ratio of 0.48% is above the 0.43% median, Texas ratio of 4.40% is above the 2.96% median, and efficiency ratio of 52.06% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Community First Bank of the Heartland score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Community First Bank of the Heartland trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.47% | Within range |
| Texas ratio BankRegReports band | 4.40% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.48% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 82.03% | Within range |
| Commercial real estate to capital supervisory threshold | 64.37% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 13.47% |
| Q2 2026 | 13.06% |
| Q1 2026 | 12.56% |
| Q4 2025 | 12.67% |
| Q3 2025 | 12.83% |
| Q2 2025 | 12.49% |
| Q1 2025 | 11.37% |
| Q4 2024 | 11.57% |
| Q3 2024 | 12.03% |
| Q2 2024 | 11.99% |
| Q1 2024 | 11.42% |
| Q4 2023 | 11.90% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 4.40% |
| Q2 2026 | 3.98% |
| Q1 2026 | 4.65% |
| Q4 2025 | 3.48% |
| Q3 2025 | 4.87% |
| Q2 2025 | 3.52% |
| Q1 2025 | 1.58% |
| Q4 2024 | 1.62% |
| Q3 2024 | 2.08% |
| Q2 2024 | 2.85% |
| Q1 2024 | 3.23% |
| Q4 2023 | 1.77% |
Loans by type, Q3 2026
- Commercial and industrial loans: $81.9M
- Owner-occupied commercial real estate loans: $31.0M
- 1-4 family residential loans: $19.0M
- Agricultural production loans: $10.6M
- Non-owner-occupied commercial real estate loans: $8.8M
- Construction and land development loans: $7.5M
- Multifamily loans: $3.1M
- Loans to states and political subdivisions: $295K
How have Community First Bank of the Heartland's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $264.6M | 13.47% | 10.66% | 0.48% | 4.40% | 52.06% |
| Jun 30, 2026 | $266.8M | 13.06% | 10.14% | 0.66% | 3.98% | 54.31% |
| Mar 31, 2026 | $270.1M | 12.56% | 9.87% | 0.99% | 4.65% | 53.60% |
| Dec 31, 2025 | $265.4M | 12.67% | 10.19% | 0.80% | 3.48% | 53.51% |
| Sep 30, 2025 | $257.8M | 12.83% | 10.26% | 1.08% | 4.87% | 55.00% |
| Jun 30, 2025 | $259.7M | 12.49% | 9.84% | 0.91% | 3.52% | 53.98% |
| Mar 31, 2025 | $269.9M | 11.37% | 9.19% | 0.04% | 1.58% | 55.29% |
| Dec 31, 2024 | $269.3M | 11.57% | 9.69% | 0.06% | 1.62% | 56.20% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Community First Bank of the Heartland FDIC insured?
Yes. Community First Bank of the Heartland is an FDIC-insured commercial bank (FDIC Certificate #3846). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Community First Bank of the Heartland well capitalized?
On its Q3 2026 call report, Community First Bank of the Heartland's CET1 ratio is 13.47%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Community First Bank of the Heartland's key safety ratios?
For Q3 2026, Community First Bank of the Heartland reports CET1 13.47%, leverage 10.66%, Texas ratio 4.40%, noncurrent loans 0.48%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Community First Bank of the Heartland fails?
For Q3 2026, Community First Bank of the Heartland reported $235.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Community First Bank of the Heartland profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)
Explore: Full Community First Bank of the Heartland profile · Other banks in IL · Metric glossary · How the call report works