Community First Bank
Butler, MO·RSSD 756848·FDIC 10595·bank:756848·Risk-based ratios where reported
- #109 of 195Total assets in Missouri
- 4offices
- 40employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Community First Bank
1 of 25 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter1.23%peers 0.00%+123 bps
Community First Bank's annualized net charge-off rate rose 211 bps over the past year to 1.23%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.23% | 0.00% | +123 bps |
| 12-month change | ||
| +211 bps | 0 bps | +211 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community First Bank itself is left out of every peer median and percentile. How signals work
Where Community First Bank differs most from peers
Leverage capital ratio among the lowest of similar banksContext: Capital8.57%peers 11.34%-2.8 pp
Community First Bank's leverage ratio was 8.57%, compared with a median of 11.34% among 1223 similar banks: lower than 93% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 8.57% | 11.34% | -2.8 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community First Bank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesContext: Earnings2.17%peers 1.26%+91 bps
Community First Bank's annualized return on assets fell 47 bps over the past year to 2.17%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.17% | 1.26% | +91 bps |
| 12-month change | ||
| -47 bps | +14 bps | -61 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community First Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Community First Bank is a bank headquartered in Butler, Missouri. It reported $259 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $235 million, up 4.5% from a year earlier, and loans totaled $202 million, down 0.9%.
- Its net interest margin was 4.88% and its annualized return on assets was 2.17% for the quarter.
- Its cost of all deposits was 1.67%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Community First Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Community First Bank · Bank
- Federal Reserve RSSD
- 756848
- FDIC certificate
- 10595
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community First Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.4M | — | |
| $3.98M | — | |
| $980K | — | |
| $3M | — | |
| $206K | — | |
| $1.5M | — | |
| $300K | — | |
| $300K | — | |
| 2.17% | 2.16%ROAQ · Quarter | |
| 4.88% | 4.87%NIMYQ · Quarter | |
| 46.96% | 46.61%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.