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Community First Bank Of The Heartland
Mount Vernon, IL · FDIC Certificate #3846 · Chartered 11/0
Total assets
$266.76M
Total deposits
$237.87M
Total equity
$28.01M
Net loans
$190.24M
Branches (offices)
4
Net income (YTD)
$2.97M
Rank: #2,629 of 4,213 U.S. banks by assets · #167 of 322 in Illinois. Assets changed 2.7% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.22% |
| Return on equity | 21.33% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 10.50% |
| Tier 1 leverage ratio | 10.14% |
| Uninsured deposits (share of deposits) | 13.2% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 80.0% |
| Real estate loans (share of loans) | 51.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $98.79M | 51.9% | |
| Commercial & industrial | $79.84M | 42.0% | |
| Consumer / individual | $380.00K | 0.2% | |
| Construction & development | $7.03M | 3.7% | |
| Agricultural | $10.77M | 5.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $252.31M | $229.59M | $2.28M | $22.07M |
| Jun 2023 | $255.70M | $231.78M | $2.45M | $23.11M |
| Jun 2024 | $253.84M | $223.87M | $2.55M | $24.52M |
| Jun 2025 | $259.72M | $232.54M | $2.80M | $26.25M |
| Jun 2026 | $266.76M | $237.87M | $2.97M | $28.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $237.87M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $237.87M.
Similar-sized banks
Wells River Savings Bank ($266.87M) · Community Bank Of The South ($266.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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