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Message from the President

A Message from Our President

As President of Community First Bank of the Heartland, I am privileged to lead a team dedicated to providing exceptional service and support to our community. At Community First Bank, we pride ourselves on being more than just a bank – we are your trusted financial partner, committed to your success and the prosperity of our community.

Community banking is about more than just transactions; it’s about building relationships. Unlike larger institutions, we take the time to get to know our customers personally, understand their financial goals, and tailor our products and services to meet their needs. We believe in the power of local connections and are deeply invested in the success of the individuals, families, and businesses we serve.

I want to take this opportunity to express my sincere gratitude to each and every one of you. Your trust and loyalty are the driving forces behind everything we do, and we are honored to have your support. As we continue on our journey, we remain committed to bringing you the best in customer service and products, always striving to exceed your expectations.

Thank you for choosing Community First Bank of the Heartland. Please know that we are here for you today, tomorrow, and for generations to come.


Jo David Cummins

Our Rich History in Jefferson County:

Do you know what a community bank is? By regulatory definition it is defined by size of assets, so if the bank is less than $10 billion in assets it is considered small and thus becomes a community bank. To us that definition rings hollow because community banking means making a difference in the community you serve.

We are different in the way we measure our success. Our mission is to take care of our community, which includes our customers and our employees. We find that when we focus on this mission and not strictly financial goals, the economic pieces of running a business take care of themselves. In short, Community First Bank believes that if we take care of the community, the community will take care of us.

So how do we make a difference? Our employees serve the community by volunteering in their churches, United Way, Jefferson County Development Corporation, Jefferson County Chamber of Commerce, Downtown Development, Prayer Breakfast Committee, YMCA, Girl Scouts of Southern Illinois, Boy Scouts, Rend Lake College, Youth and Government, Rotary – Noon and West, Cedarhurst for the Arts, CASA, Junior Women’s Club, Delta Theta Tau, LifeBoat Alliance, United Methodist Children’s Home, Village of Ina, Woodlawn Gold Rush Days Committee, Fall Festival Committee, Special Olympics, American Heart Association, American Cancer Society and many others.

We are proud to be your hometown, local bank, and we look forward to serving your needs for years to come. Thank you for visiting our website, and we look forward to hearing from you soon.