BanksCOMMUNITY FIRST BANK

COMMUNITY FIRST BANK

MENAHGA, MNSmallEst. Sept. 1, 1898, midnightFDIC #5197RSSD #923855FDIC
Latest · 2025-12-31

COMMUNITY FIRST BANK is an 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%. CET1 capital ratio: 11.70%, well above regulatory minimums. NPL ratio: 0.81% · Texas Ratio: 3.42%. Operates 2 domestic branches.

Assets
$125M
Deposits
$108M
Loans
$68M
Equity
$15M

Profitability

Return on Assets (ROA)1.23%
Return on Equity (ROE)10.04%
Net Interest Margin4.03%
Yield on Assets5.67%
Cost of Funds1.75%

Asset Quality

NPL Ratio0.81%
Net Charge-Off Ratio0.16%
Texas Ratio3.42%
NPA Ratio0.44%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio11.70%
Tier 1 Capital11.70%
Total Capital Ratio12.29%
Leverage Ratio12.09%
Loan-to-Deposit63.08%

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