C
Community First Bank of the Heartland
Rating Date
March 2026
Risk Based
Capital Ratio
13.72
Leverage
Ratio
10.19
Return On
Assets
2.08%
Total
Assets
265.42M
Capital
28.10M
Total
Deposits
236.69M
Net
Income
5.51M
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Weiss Ratings Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Rating C
Asset Quality Index 7.20
Capitalization Index 8.80
Liquidity Index 1.50
Profitability Index 8.90
Stability Index 5.00
Company Info Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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FDIC Number 3846
Phone Number (618) 244-3000
Website www.cfbh.bank
Asset Quality Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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1-Year Asset Growth -1.45%
5-Year Asset Growth 1.19%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.16%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 2.64%
Non-Performing Loans to Loans 0.80%
Balance Sheet Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Total Assets 265.42M
Total Deposits 236.69M
Capital and Reserves Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Capital 28.10M
Leverage Ratio 10.19
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 13.72
Liquidity Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Hot Money Ratio 19.78%
Liquidity Ratio 16.65%
Profitability Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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5-Year Return on Average Assets 1.85%
Net Income 5.51M
Net Interest Spread 4.55%
Operating Profit to Average Assets 2.10%
Overhead Efficiency Ratio 55.04%
Return on Assets 2.08%
Return on Equity 20.69%