COMMUNITY FIRST BANK

MENAHGA, MN | Small | Est. Sept. 1, 1898, midnight | FDIC #5197 | RSSD #923855 | FDIC
Latest Report: 2025-12-31

COMMUNITY FIRST BANK is asn small FDIC-insured commercial bank headquartered in MENAHGA, MN, established in Sept. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $125M and total deposits of $108M. Profitability stands at 1.23% ROA and 10.04% ROE, with a net interest margin of 4.03%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 3.42%. FDIC Certificate #5197.

Assets

$125M

Deposits

$108M

Loans

$68M

Equity

$15M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 10.04%
Net Interest Margin (NIM) 4.03%
Yield on Assets 5.67%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.16%
Texas Ratio 3.42%
NPA Ratio 0.44%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 11.73%
Leverage Ratio 12.09%
Loan-to-Deposit 63.08%

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