COMMUNITY FIRST BANKING COMPANY

WEST PLAINS, MO | Small | Est. Nov. 13, 1997, midnight | FDIC #34610 | RSSD #2615220 | FDIC
Latest Report: 2025-12-31

COMMUNITY FIRST BANKING COMPANY is asn small FDIC-insured commercial bank headquartered in WEST PLAINS, MO, established in Nov. 13, 1997, midnight. As of 2025-12-31, the bank reported total assets of $303M and total deposits of $258M. Profitability stands at 1.70% ROA and 18.45% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 9.35%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 5.33%. FDIC Certificate #34610.

Assets

$303M

Deposits

$258M

Loans

$228M

Equity

$28M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 18.45%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.80%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.14%
Texas Ratio 5.33%
NPA Ratio 0.53%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 9.35%
Tier 1 Capital 9.35%
Total Capital Ratio 9.82%
Leverage Ratio 10.64%
Loan-to-Deposit 88.29%

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