COMMUNITY 1ST BK HEARTLAND
MOUNT VERNON, ILLINOIS · FDIC Cert #3846
Capital & Safety Analysis
According to FDIC financial data, COMMUNITY 1ST BK HEARTLAND holds a Tier 1 capital ratio of 11.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning COMMUNITY 1ST BK HEARTLAND has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
COMMUNITY 1ST BK HEARTLAND shows strong financial health indicators. With $254M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
COMMUNITY 1ST BK HEARTLAND has a Bank Health Score of B (77/100). It holds a Tier 1 capital ratio of 11.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
COMMUNITY 1ST BK HEARTLAND holds $254M in total assets and $224M in total deposits. It is located in MOUNT VERNON, ILLINOIS (FDIC Certificate #3846).
COMMUNITY 1ST BK HEARTLAND has a Tier 1 capital ratio of 11.99%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.23%, and the return on assets is 1.97%.
Yes. COMMUNITY 1ST BK HEARTLAND is FDIC-insured (Certificate #3846). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.