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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +2.3% year over year ($237.9M on the books).
Delinquency rate 0.67%.
Return on assets 2.22%.
Efficiency ratio 54.64% vs a 64.48% peer average.
Loan-to-deposit ratio 79.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Community First Bank of the Heartland demonstrates 5 strengths

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 37.1% in tier
+ Profitability Leader: Top 47.4% in tier
+ Net Interest Margin 0.68% above tier average
+ Efficiency Ratio 9.84% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$266.8M +2.7% YoY -1.2% QoQ	-$119.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$190.2M -4.1% YoY -1.6% QoQ	-$68.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$237.9M +2.3% YoY -1.7% QoQ	-$88.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	2.22% +5.5% YoY +0.5% QoQ	+0.90%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 8.3% in tier
Net Interest Margin ?	4.66% +3.7% YoY +1.2% QoQ	+0.68%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	54.64% -1.0% YoY +0.7% QoQ	-9.84%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.67% -27.1% YoY -33.3% QoQ	-0.25%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	79.98% -6.3% YoY +0.1% QoQ	+2.02%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	27.84% -1.9% YoY -1.5% QoQ	+5.81%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.62% -21.1% YoY -22.3% QoQ	-0.05%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	13.06% +4.5% YoY +3.9% QoQ	-2.85%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.37% -5.1% YoY +82.0% QoQ	-0.19%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	27.8% -0.5pp YoY -0.4pp QoQ	+5.7pp	22.1%	20.1%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	42.0% +2.8pp YoY -0.8pp QoQ	+30.4pp	11.6%	14.7%	12.5%	98%
CRE	26.5% -5.1pp YoY +0.6pp QoQ	-13.0pp	39.5%	37.9%	41.4%	29%
1-4 Family	10.0% +1.3pp YoY -0.2pp QoQ	-22.6pp	32.6%	28.3%	31.3%	11%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-3.9pp	4.1%	5.4%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.6pp YoY +0.5pp QoQ	-5.8pp	18.8%	19.9%	19.7%	29%
Leverage Ratio	10.1% +0.3pp YoY +0.3pp QoQ	-2.0pp	12.2%	12.2%	12.6%	34%
Total Capital Ratio	14.1% +0.5pp YoY +0.5pp QoQ	-5.8pp	19.9%	20.9%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	40 -2 (-4.8%) YoY -1 (-2.4%) QoQ	-19	58	228	482	41%
Assets per Employee ($)	$6.7M +7.8% YoY +1.2% QoQ	-$849K	$7.5M	$8.3M	$8.8M	46%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	40%
Nonaccrual	0.6% -0.3pp YoY -0.3pp QoQ	-0.3pp	0.9%	1.1%	1.0%	58%
Allowance Coverage	1.73x +37.8% YoY +49.3% QoQ	-22.43x	24.15x	5.62x	20.23x	43%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	21.3% -0.3pp YoY 0.0pp QoQ	+9.1pp	12.2%	10.5%	11.6%	91%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	41%
Net Income ($, YTD)	$3.0M +5.9% YoY — QoQ	+$413K	$2.6M	$11.7M	$40.4M	69%

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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

#246 of 661 • Top 37.1% 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: 0.37%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.22%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#314 of 661 • Top 47.4% in tier

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

Why this signature

Return on Assets: 2.22%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

220

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.32%

#220 of 2643 Top 8.3% in $100M-$1B

407

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.99%

#407 of 2643 Top 15.4% in $100M-$1B

467

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#467 of 2643 Top 17.6% in $100M-$1B

643

Non-Interest-Bearing Deposit Share

funding

Value: 27.84%

Peer Median: 22.03%

#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available