Community First Bank of the Heartland
Headquartered in MOUNT VERNON, IL. Analysis based on 52 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $28.2M.
Total 7(a) loans
52
Total approved
$28.2M
Average loan
$542K
States funded in
3
Charge-off rate
1.96%
FY2020–FY2023 cohort
Paid-in-full rate
47.06%
Average rate
5.34%
Average term
137 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 812112 | Beauty Salons | 5 |
| 484110 | General Freight Trucking, Local | 4 |
| 721110 | Hotels (except Casino Hotels) and Motels | 4 |
| 333921 | Elevator and Moving Stairway Manufacturing | 3 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 3 |
| 441228 | Motorcycle, ATV, and All Other Motor Vehicle Dealers | 2 |
| 492110 | Couriers | 2 |
| 484230 | Specialized Freight (except Used Goods) Trucking, Long-Distance | 2 |
| 812990 | All Other Personal Services | 2 |
| 561730 | Landscaping Services | 2 |
Top 10 states
| State | Loans |
|---|---|
| IL | 47 |
| MO | 4 |
| ID | 1 |
Top franchise brands financed
4 franchise loans across 4 distinct brands.
| Franchise | Loans |
|---|---|
| Textron Specialized Vehicle, I | 1 |
| Days Inn by Wyndham | 1 |
| Comfort Suites by Choice Hotel | 1 |
| Quality Inn by Choice Hotels / | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.