BlastPoint's Banking Scorecard

Community First Bank of the Heartland

$100M-$1B Specialty: Commercial IL FDIC cert 3846

Mount Vernon, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Community First Bank of the Heartland has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 29.1% in tier
+ Profitability Leader: Top 46.4% in tier
+ Net Interest Margin 0.68% above tier average
+ Efficiency Ratio 11.01% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.12% above tier average

Get updates when Community First Bank of the Heartland releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$270.1M +0.1% YoY +1.8% QoQ	-$116.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$193.3M -8.8% YoY -3.9% QoQ	-$62.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$242.0M +3.6% YoY +2.2% QoQ	-$86.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	2.21% +7.7% YoY +6.1% QoQ	+0.94%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 8.4% in tier
Net Interest Margin ?	4.61% +5.9% YoY +0.4% QoQ	+0.68%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	54.27% -2.8% YoY -1.4% QoQ	-11.01%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	1.01% +24.6% QoQ	+0.12%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	79.87% -11.9% YoY -6.0% QoQ	+3.24%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	28.27% -0.8% YoY +3.5% QoQ	+6.25%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.80% +432.0% YoY +15.3% QoQ	+0.16%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	12.56% +10.5% YoY -0.8% QoQ	-3.27%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.20% -0.6% YoY -74.1% QoQ	-0.08%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 13.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#195 of 666 • Top 29.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.21%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#310 of 666 • Top 46.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.21%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

225

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.27%

#225 of 2664 Top 8.4% in $100M-$1B

353

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#353 of 2664 Top 13.2% in $100M-$1B

402

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.93%

#402 of 2664 Top 15.1% in $100M-$1B

606

Non-Interest-Bearing Deposit Share

funding

Value: 28.27%

Peer Median: 22.02%

#606 of 2664 Top 22.7% in $100M-$1B

659

Efficiency Ratio

profitability

Value: 54.27%

Peer Median: 65.29%

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available