Community First Bank of the Heartland: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 65.27 percentage points higher than in Q1 2026, at 187.89%. Among 323 Illinois banks, Community First Bank of the Heartland sits 18th from the top on return on assets, 2.22% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Community First Bank of the Heartland reported 2.22% on return on assets in Q2 2026, 0.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.06% |
| Tier 1 risk-based capital ratio | 13.06% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 10.14% |
| Equity capital to assets | 10.50% |
| Tangible equity to tangible assets | 9.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 5.87% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 187.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 21.51% |
| Net interest margin | 4.67% |
| Efficiency ratio | 54.31% |
| Yield on earning assets | 6.21% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.90% |
| Core deposits to total deposits | 88.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.17% |
| Securities to assets | 17.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.07% | 12.07% | 13.18% | 9.43% | 1.84% |
| Q4 2023 | 11.90% | 11.90% | 13.00% | 9.56% | 1.91% |
| Q1 2024 | 11.42% | 11.42% | 12.53% | 9.01% | 2.01% |
| Q2 2024 | 11.99% | 11.99% | 13.12% | 9.33% | 1.87% |
| Q3 2024 | 12.03% | 12.03% | 13.12% | 9.73% | 1.95% |
| Q4 2024 | 11.57% | 11.57% | 12.59% | 9.69% | 1.91% |
| Q1 2025 | 11.37% | 11.37% | 12.40% | 9.19% | 2.03% |
| Q2 2025 | 12.49% | 12.49% | 13.61% | 9.84% | 2.16% |
| Q3 2025 | 12.83% | 12.83% | 13.95% | 10.26% | 2.16% |
| Q4 2025 | 12.67% | 12.67% | 13.72% | 10.19% | 1.97% |
| Q1 2026 | 12.56% | 12.56% | 13.65% | 9.87% | 2.22% |
| Q2 2026 | 13.06% | 13.06% | 14.12% | 10.14% | 2.22% |
Community First Bank of the Heartland vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of the Heartland, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community First Bank of the Heartland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)