COMMUNITY FIRST NATIONAL BANK

MANHATTAN, KS | Small | Est. Feb. 1, 2001, midnight | FDIC #35585 | RSSD #2907019 | OCC
Latest Report: 2025-12-31

COMMUNITY FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in MANHATTAN, KS, established in Feb. 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $362M and total deposits of $316M. Profitability stands at 1.65% ROA and 15.23% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 11.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 9.64%. FDIC Certificate #35585.

Assets

$362M

Deposits

$316M

Loans

$288M

Equity

$40M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 15.23%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.30%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.00%
Texas Ratio 9.64%
NPA Ratio 1.19%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 11.04%
Tier 1 Capital 11.04%
Total Capital Ratio 11.59%
Leverage Ratio 10.90%
Loan-to-Deposit 91.00%

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