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Community First Bank Of The Heartland

IDRSSD: 273840
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #273840 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.0%, cash 3.9% of assets.

Cash / Assets
3.95%
Loans / Deposits
84.97%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.37%
No watch items at this period.

Capitalization

StrongQoQ -2
86
Sub-score

Capital position is strong: Tier 1 RBC 12.67%, CET1 12.67%, leverage 10.12%.

Tier 1 RBC
12.67%
CET1
12.67%
Leverage
10.12%
No watch items at this period.

Asset Quality

StrongQoQ -3
92
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 5.6%, NCO YTD 0.62%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
0.62%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
73
Sub-score

Reserves are stable: ALLL 1.10% of loans, coverage 137.3%, true coverage 137.3%.

ALLL / Loans
1.10%
Coverage
137.3%
True Loss Coverage
137.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:10:49 UTC