BlastPoint's Banking Scorecard
Community First Bank of the Heartland
Micro
Specialty: Commercial
IL
FDIC cert 3846
Designations: ✓ Community bank
Mount Vernon, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community First Bank of the Heartland demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.00% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$265.4M
-1.5% YoY
+2.9% QoQ
|
+$47.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$201.1M
-6.1% YoY
+1.5% QoQ
|
+$61.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$236.7M
+4.5% YoY
+4.4% QoQ
|
+$53.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.08%
+7.5% YoY
-1.9% QoQ
|
+1.00% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.59%
+8.3% YoY
+0.7% QoQ
|
+0.74% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
55.04%
-3.8% YoY
-0.5% QoQ
|
-12.68% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.81%
-25.8% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
84.97%
-10.1% YoY
-2.8% QoQ
|
+10.44% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
27.31%
+1.4% YoY
-2.4% QoQ
|
+4.92% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.70%
+322.1% YoY
-24.6% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.67%
+9.4% YoY
-1.3% QoQ
|
+3.81% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.79%
-5.9% YoY
+31.7% QoQ
|
+0.23% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
81
81th pctile
Efficiency Ratio
Current: 55.04% · Tier avg: 67.73%
74
74th pctile
Total Loans
Current: $201.1M · Tier avg: $139.2M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 22.39%
68
68th pctile
Total Deposits
Current: $236.7M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $265.4M · Tier avg: $217.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.97% · Tier avg: 74.53%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
Top Weaknesses
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.97% · Tier avg: 74.53%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
65
65th pctile
Total Assets
Current: $265.4M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $236.7M · Tier avg: $183.7M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 22.39%
74
74th pctile
Total Loans
Current: $201.1M · Tier avg: $139.2M
81
81th pctile
Efficiency Ratio
Current: 55.04% · Tier avg: 67.73%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%