C
Community First Bank of the Heartland
Rating Date
October 2025
Risk Based
Capital Ratio
13.95
Leverage
Ratio
10.26
Return On
Assets
2.12%
Total
Assets
257.82M
Capital
27.69M
Total
Deposits
226.71M
Net
Income
4.21M
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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 6.70
Capitalization Index 8.90
Liquidity Index 1.10
Profitability Index 8.90
Stability Index 4.30
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 -0.36%
5-Year Asset Growth 7.15%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 3.98%
Non-Performing Loans to Loans 0.97%
Balance Sheet Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Total Assets 257.82M
Total Deposits 226.71M
Capital and Reserves Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Capital 27.69M
Leverage Ratio 10.26
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio 13.95
Liquidity Community First Bank of the Heartland
Mount Vernon, IL 		Click to
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Hot Money Ratio 20.89%
Liquidity Ratio 15.43%
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 4.21M
Net Interest Spread 4.51%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 55.34%
Return on Assets 2.12%
Return on Equity 21.41%