Community First Bank of the Heartland: how it compares with its peers
Against 146 IL banks with half to twice its assets, Community First Bank of the Heartland's strongest measure in Q2 2026 is return on assets (2.22% vs. a 1.19% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.19% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 3.72% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.64% | 64.45% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.5M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.98% | 74.60% | Context |
What it means for lending operations
Its efficiency ratio of 54.64% is better than the 64.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Bank of Manhattan Manhattan, IL · $266M
- PeopleFirst Bank Joliet, IL · $266M
- North Shore Trust and Savings Waukegan, IL · $270M
- The Farmers and Merchants National Bank of Nashville Nashville, IL · $270M
- First National Bank of Steeleville Steeleville, IL · $275M
- SouthernTrust Bank Marion, IL · $278M
Questions about Community First Bank of the Heartland
How big is Community First Bank of the Heartland?
Community First Bank of the Heartland, established in 1906, is headquartered in Mount Vernon, IL. It reported $267M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community First Bank of the Heartland's return on assets?
2.22% annualized in Q2 2026, against a 1.19% median for 146 IL banks with half to twice its assets, ahead of 94% of them.
What is Community First Bank of the Heartland's efficiency ratio?
54.64% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Community First Bank of the Heartland growing its loans?
Net loans shrank 4.1% over the year to Q2 2026, while deposits grew 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.