COMMUNITY FIRST BANK

BUTLER, MO | Small | Est. Jan. 1, 1932, midnight | FDIC #10595 | RSSD #756848 | FDIC
Latest Report: 2025-12-31

COMMUNITY FIRST BANK is asn small FDIC-insured commercial bank headquartered in BUTLER, MO, established in Jan. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $267M and total deposits of $244M. Profitability stands at 2.71% ROA and 30.72% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 10.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 5.00%. FDIC Certificate #10595.

Assets

$267M

Deposits

$244M

Loans

$208M

Equity

$22M

Profitability

Return on Assets (ROA) 2.71%
Return on Equity (ROE) 30.72%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.71%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio -0.13%
Texas Ratio 5.00%
NPA Ratio 0.48%
ACL / Loans 1.86%

Capital & Liquidity

CET1 Ratio 10.89%
Tier 1 Capital 10.89%
Total Capital Ratio 12.15%
Leverage Ratio 8.31%
Loan-to-Deposit 85.38%

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