Community First Bank (Kennewick, WA)
BankRegReports is independent of Community First Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community First Bank is an FDIC-insured commercial bank headquartered in Kennewick, WA, established in 1997 (FDIC certificate 34627), and it is supervised by the FDIC. At Q2 2025 it reported total assets of $672.0M, up 6.3% from Q2 2024. Its CET1 capital ratio was 15.67% at Q2 2025, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34627
- Headquarters
- Kennewick, WA
- Established
- 1997
- Total assets, Q2 2025
- $672.0M
- Assets vs Q2 2024
- +6.3%
- CET1 ratio, Q2 2025
- 15.67%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 125108463
Community First Bank, based in Kennewick, Washington, reported $672 million in assets at June 30, 2025, up 6.3% from a year earlier. It shrank its loan book 1.8% over the year, lower than about three-quarters of the 2,765 banks with $100 million to $1 billion in assets (median 5.3%). It also spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 63 cents).
Earnings jumped: net income for the quarter was $1.7 million, 42% above the same quarter a year earlier. Over the same year, loans shrank 1.8% and deposits grew 5.8%. Its margin is thin by comparison: it keeps 3.10 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.73 cents).
As of June 30, 2025, Community First Bank reported a CET1 capital ratio of 15.67%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
From Q1 2025 to Q2 2025, its total assets rose 9.3% to $672.0M, loans fell 3.9% and deposits rose 10.0%. Its loan book on June 30, 2025 was led by owner-occupied commercial real estate loans, at 24.9% of total loans, followed by 1-4 family residential loans at 24.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in WA; its Kennewick 2 offices book 70% of its branch deposits. Judged on its Q2 2025 call report, Community First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6401 W Clearwater Ave, Kennewick, WA 99336
- County
- Benton
- Metro Area
- Kennewick-Richland, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 30, 1997
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $622.3M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $156K
- Average total assets
- $642.2M
- Average total loans
- $365.7M
- Average interest-bearing deposits
- $412.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 30, 1997
- FDIC Cert
- 34627
- Fed RSSD
- 2642598
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community First Bank's total assets moved between a low of $581.6M (Q3 2023) and a high of $672.0M (Q2 2025) from Q3 2022 to Q2 2025, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2025 with Q2 2024. How these charts are built
$672.0M total assets against $632.3M; $624.0M total liabilities against $590.4M.
$354.4M net loans and leases against $360.8M; $622.3M total deposits against $588.4M.
$122.1M securities against $141.2M; $176.4M cash and balances due against $107.1M.
$7.2M total interest income against $6.8M; $2.4M total interest expense against $2.4M.
$4.8M net interest income against $4.4M.
$3.4M total noninterest income against $3.6M; $6.6M total noninterest expense against $6.3M.
$22K provision for credit losses against $275K.
$1.7M net income against $1.2M.
1.06% return on assets against 0.76%; 3.10% net interest margin against 2.88%.
15.67% CET1 capital ratio against 14.55%; 9.58% tier 1 leverage ratio against 9.48%.
Inside the full Community First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quarterly trend: last 8 quarters
From Q3 2023 to Q2 2025, its return on assets ran from 0.51% (Q4 2023) to 1.48% (Q1 2025) and its net interest margin ran from 2.84% (Q1 2024) to 3.14% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2025 | 15.67% | 1.06% | 0.06% | 0.46% | 3.10% |
| Q1 2025 | 15.29% | 1.48% | 0.06% | 0.49% | 3.07% |
| Q4 2024 | 15.36% | 1.40% | 0.06% | 0.52% | 3.14% |
| Q3 2024 | 14.89% | 0.92% | 0.07% | 0.56% | 2.97% |
| Q2 2024 | 14.55% | 0.76% | 0.05% | 0.40% | 2.88% |
| Q1 2024 | 14.48% | 0.87% | 0.04% | 0.36% | 2.84% |
| Q4 2023 | 14.72% | 0.51% | 0.04% | 0.37% | 2.98% |
| Q3 2023 | 14.69% | 0.54% | 0.01% | 0.13% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community First Bank (main office) | Kennewick , WA | 99336 | $403.4M |
| West Pasco Branch | Pasco , WA | 99301 | $85.2M |
| Connell Branch | Connell , WA | 99326 | $56.3M |
| Richland Branch | Richland , WA | 99352 | $42.7M |
| Grandridge Branch | Kennewick , WA | 99336 | $34.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2025 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Mortgage lending (HMDA)
- 93 applications, 74 loans originated, $29.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $198K approved, $66K average. 66.67% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Deposit market share, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Similar banks
Compare Community First Bank with peers
Frequently asked about Community First Bank
What are Community First Bank's total assets?
As of the Q2 2025 filing, Community First Bank reported total assets of $672.0 million in its FFIEC call report.
Where is Community First Bank headquartered?
It is headquartered in Kennewick, WA, United States.
When was Community First Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Community First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First Bank?
Community First Bank's primary federal regulator is the FDIC.
What is Community First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.67% in its Q2 2025 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community First Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community First Bank's Texas Ratio?
Its Texas Ratio is 0.46% in its Q2 2025 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Community First Bank.
Get an email when Community First Bank files its next call report, and benchmark it against any peer you choose.
Unlock Community First Bank, freeFree account