Community First Bank of the Heartland
Mount Vernon, IL
IDRSSD: 273840
Total Assets
$257.82M
Latest filing
Total Deposits
$226.71M
Latest filing
Net Interest Margin
4.73%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community First Bank of the Heartland
117 N 10th St
Mount Vernon, IL 62864
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/05/1906FDIC Certificate 2503
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community First Bank of the Heartland (Main) | 117 N 10th St | Mount Vernon, IL |
| WOODLAWN FACILITY | 300 S Central St | Woodlawn, IL |
| MOUNT VERNON WEST BRANCH | 900 S 42nd St | Mount Vernon, IL |
| DIX BRANCH | 312 N Main St | Dix, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/05/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62864 |
| State and County Number | 17081 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Mount Vernon, IL |
Operational Info
| Number of Employees | 42 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cfbh.bank |
| Data Updated | 11/14/2025 |
| CERT | 3846 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $257.82M |
| Total Deposits | $226.71M |
| Total Liabilities | $230.13M |
| Total Equity Capital | $27.69M |
| Net Income | $1.41M |
| Net Loans and Leases | $198.21M |
| Assets Per Employee ($Millions) | $6.14M |
| Bank Premises and Fixed Assets | $4.74M |
| Cash and Balances due from Depository Institutions | $11.53M |
| Deposits Held in Domestic Offices | $226.71M |
Key Performance Ratios
| Return on Assets (ROA) | 2.17% |
| Return on Equity (ROE) | 20.86% |
| Net Interest Margin | 4.73% |
| Efficiency Ratio | 55.64% |
| Tier 1 Risk-Based Capital Ratio | 12.832% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.739% |
| Earning Assets to total Assets | 89.42% |
Income and Expense
| Total Interest Income | $3.76M |
| Total Noninterest Income | $527.00k |
| Total Interest Expense | $1.02M |
| Total Noninterest Expense | $1.82M |
| Net Interest Income | $2.74M |
| Pre-tax Net Operating Income | $1.42M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $224.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.33M |
| All Other Liabilities | $1.10M |
| Total Liabilities and Capital | $257.82M |
Securities
| Securities | $31.06M |
| Available-for-sale debt securities | $30.97M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community First Bank of the Heartland?
$257.82M as of the latest filing.
How much are Community First Bank of the Heartland's total deposits?
$226.71M in total deposits.
Where is Community First Bank of the Heartland located?
Mount Vernon, IL.
What is the Net Interest Margin?
4.73%.
How many domestic offices does it operate?
4.
When was it established?
11/05/1906.
What is the Return on Assets (ROA)?
2.17%.
How much are total loans and leases?
$198.21M (latest filing).
What is the total interest income (latest filing)?
$3.76M.