Bank call report · Kennewick, WA
Community First Bank Call Report
Filed for the quarter ended (Q2 2025) on the FFIEC 041. Source: FFIEC Central Data Repository.
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Community First Bank filed its latest call report for the quarter ended June 30, 2025 on the FFIEC 041. Below are its 376 reported line items, schedule by schedule (1,028 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Community First Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2025 (June 30, 2025) |
| Federal Reserve RSSD ID | 2642598 |
| FDIC certificate number | 34627 |
| Total assets | $672.0M |
Official Q2 2025 call report PDF (FFIEC) →
Community First Bank call report by schedule, Q2 2025
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Community First Bank balance sheet trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total assets | RCON2170 | $672.0M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $672.0M |
| Total liabilities and minority interest | RCON2948 | $624.0M |
| Total deposits | RCON2200 | $622.3M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $455.8M |
| Loans and leases, net of unearned income - totals | RCONB528 | $356.9M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $353.1M |
| Interest-bearing balances | RCON0071 | $167.3M |
| Deposits, noninterest-bearing | RCON6631 | $166.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $122.1M |
| Total equity capital | RCON3210 | $48.0M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $48.0M |
| Undivided profits and capital reserves | RCON3632 | $35.8M |
| Surplus | RCON3839 | $27.0M |
| Accumulated other comprehensive income | RCONB530 | -$15.2M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $9.2M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $8.5M |
| Other assets | RCON2160 | $7.1M |
| Allowance for loan and lease losses | RCON3123 | $3.8M |
| Goodwill | RCON3163 | $3.4M |
| Intangible assets | RCON2143 | $3.4M |
| Other liabilities, total | RCON2930 | $1.6M |
| Loans and leases held for sale | RCON5369 | $1.3M |
| Common stock | RCON3230 | $401K |
| Other borrowed money | RCON3190 | $56K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Community First Bank income statement trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total interest income | RIAD4107 | $14.0M |
| Total noninterest expense | RIAD4093 | $12.2M |
| Interest and fee income on loans, total | RIAD4010 | $10.6M |
| Net interest income | RIAD4074 | $9.5M |
| Salaries and employee benefits | RIAD4135 | $8.3M |
| Total noninterest income | RIAD4079 | $6.7M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $6.3M |
| Total interest expense | RIAD4073 | $4.5M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $4.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.0M |
| Income (loss) before discontinued operations | RIAD4300 | $4.0M |
| Net income (loss) | RIAD4340 | $4.0M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $4.0M |
| Other noninterest expense | RIAD4092 | $3.2M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $2.4M |
| Interest income on balances due from depository institutions | RIAD4115 | $2.2M |
| Savings deposits (including mmdas) | RIAD0093 | $2.1M |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $1.3M |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $1.3M |
| Other noninterest income | RIADB497 | $929K |
| Interest on other securities | RIAD4060 | $775K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $684K |
| Expenses of premises and fixed assets | RIAD4217 | $616K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $454K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $410K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $391K |
| Net gains (losses) on sales of loans | RIAD5416 | $369K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $210K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $135K |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $135K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $117K |
| Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after august 7, 1986, that is not deductible for federal income tax purposes | RIAD4513 | $109K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $50K |
| Provision for loan and lease losses | RIAD4230 | $22K |
| Provisions for credit losses on financial assets | RIADJJ33 | $22K |
| Other interest income | RIAD4518 | $14K |
| Net servicing fees | RIADB492 | $5K |
| Net gains (losses) on sales of other assets (excluding securities) | RIADB496 | -$4K |
| Interest on trading liabilities and other borrowed money | RIAD4185 | $1K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 137 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Cash and balances due from depository institutions | RCON0010 | $176.4M |
| Balances due from federal reserve banks | RCON0090 | $165.6M |
| Cash items in process of collection and unposted debits | RCON0020 | $6.7M |
| Balances due from depository institutions in the U.S. | RCON0082 | $2.4M |
| Currency and coin | RCON0080 | $1.7M |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Community First Bank securities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale amortized cost | RCONG302 | $133K |
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale fair value | RCONG303 | $127K |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale amortized cost | RCONG306 | $22.4M |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale fair value | RCONG307 | $19.3M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale amortized cost | RCONG314 | $25.1M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale fair value | RCONG315 | $20.8M |
| Total amortized cost of available-for-sale securities | RCON1772 | $137.3M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $75.0M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $68.0M |
| Pledged securities | RCON0416 | $56.5M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $39.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $20.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $19.5M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $17.2M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $11.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $10.0M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months of less | RCONA549 | $9.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $9.2M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $8.9M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $8.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $4.7M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale, Amortized Cost | RCONPV00 | $4.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $4.7M |
| Guaranteed by U.S. government agencies or sponsored agencies included in schedule RC-B, item 5.B - available-for-sale, fair value | RCONPV01 | $4.7M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $3.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.3M |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Community First Bank loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $358.2M |
| Pledged loans and leases | RCONG378 | $94.6M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $89.3M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $86.2M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $82.5M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $77.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $59.7M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $57.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $46.2M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $44.5M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $40.2M |
| Commercial and industrial loans | RCON1766 | $35.7M |
| Commercial and industrial loans to U.S. addressees | RCON1763 | $35.7M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $33.6M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $27.9M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $22.9M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $16.8M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $12.6M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $8.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $7.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $7.3M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $7.1M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $5.6M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $4.5M |
| Real estate loans secured by farmland | RCON1420 | $3.6M |
| Loans secured by 1-4 family residential construction | RCONF158 | $3.5M |
| Loans to nondepository financial institutions and other loans, other loans, all other loans (exclude consumer loans) | RCONJ451 | $2.8M |
| Other loans | RCONJ464 | $2.8M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $1.7M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $1.4M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $1.3M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $750K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $452K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $279K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $36.6M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $12.4M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $6.2M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $5.6M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $3.4M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5589 | $1.3M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $995K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $339K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $339K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5587 | $237K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $96K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $61K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 188 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 93 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 68 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 47 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 28 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 9 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5588 | 5 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 4 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 3 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5586 | 3 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 2 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · Community First Bank deposit liabilities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total demand deposits (see note below) | RCON2210 | $346.9M |
| Total transaction accounts | RCON2215 | $346.9M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $338.3M |
| Total nontransaction accounts (including mmda's) | RCON2385 | $275.4M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $275.2M |
| Money market deposit accounts (mmda's) | RCON6810 | $187.2M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $57.5M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $57.1M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $53.4M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $17.8M |
| Total reciprocal deposits | RCONJH83 | $13.2M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $12.7M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $11.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $11.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $9.9M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $8.1M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $8.0M |
| Total time deposits of less than $100,000 | RCON6648 | $5.0M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $3.7M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $2.8M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $1.2M |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $496K |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three years | RCONHK15 | $402K |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $254K |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $192K |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $142K |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $62K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Other assets | RCON2168 | $4.5M |
| First itemized amount that exceeds 25% of all other assets (2168) | RCON3549 | $2.6M |
| Accrued interest receivable | RCONB556 | $1.9M |
| Prepaid expenses | RCON2166 | $985K |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $666K |
| Accounts receivable | RCONFT34 | $487K |
| Computer software | RCONFT33 | $277K |
| Second itemized amount that exceeds 25% of all other assets (2168) | RCON3550 | $117K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Other expenses accrued and unpaid | RCON3646 | $733K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $535K |
| All other liabilities | RCON2938 | $229K |
| Operating lease liabilities | RCONLB56 | $196K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $126K |
| First itemized amount that exceeds 25% of all other liabilities (2938) or (2942) | RCON3552 | $18K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Community First Bank quarterly averages trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $642.2M |
| Quarterly average of total loans | RCON3360 | $365.7M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $226.6M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $192.7M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $156.0M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $116.2M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $88.1M |
| All other securities | RCONB560 | $78.5M |
| Mortgage-backed securities | RCONB559 | $54.4M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $46.2M |
| Quarterly average of commercial and industrial loans | RCON3387 | $38.3M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $17.3M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $10.6M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $8.1M |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $3.8M |
| Quarterly average of other borrowed money | RCON3355 | $69K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Community First Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Other unused commitments, commercial and industrial loans | RCONJ457 | $21.9M |
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $16.8M |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $15.0M |
| Total gross notional amount of interest rate derivative contracts held for purposes other than trading, contracts marked to market | RCON8725 | $9.2M |
| 1-4 family residential construction loan commitments | RCONF164 | $7.0M |
| Other unused commitments, all other unused commitments | RCONJ459 | $5.5M |
| Interest rate forward contracts | RCON8697 | $4.6M |
| Written OTC interest rate option contracts | RCON8709 | $4.6M |
| Gross positive fair value of interest rate derivative contracts held for purposes other than trading that are marked to market | RCON8741 | $924K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Community First Bank memoranda trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $4.7M |
| Other borrowed money, other borrowings with a remaining maturity or next repricing date of over one year through three years | RCONF061 | $56K |
| Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · Community First Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (11 items)
About Schedule RC-O · Community First Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Unsecured other borrowings with a remaining maturity of over one year through three years | RCONG466 | $56K |
| Average consolidated total assets for the calendar quarter | RCONK652 | $642.2M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $622.9M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $428.9M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $192.8M |
| Average tangible equity for the calendar quarter | RCONK654 | $59.3M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $1.2M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 9,256 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 380 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 56 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale | RCONHT82 | $14.3M |
| Principal amount of 1-4 family residential mortgage loans sold during the quarter | RCONFT04 | $14.2M |
| Quarter end amount of 1-4 family residential mortgage loans held for sale or trading | RCONFT05 | $1.3M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $211K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $122.1M |
| Available-for-sale securities - less amounts netted in the determination of total fair value | RCONG474 | -$122.1M |
| Total assets measured at fair value on a recurring basis - less amounts netted in the determination of total fair value | RCONG503 | -$122.1M |
| Total assets measured at fair value on a recurring basis - total fair value reported on schedule RC | RCONG502 | $122.1M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Community First Bank regulatory capital trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $381.3M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Community First Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $642.2M |
| Average total assets (net of deductions) | RCOAA224 | $623.6M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $381.3M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $63.6M |
| Common equity tier 1 capital | RCOAP859 | $59.7M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $59.7M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $59.7M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $48.0M |
| Retained Earnings | RCOAKW00 | $35.8M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $27.4M |
| Accumulated other comprehensive income | RCOAB530 | -$15.2M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$15.2M |
| Less, other deductions from assets for leverage capital purposes | RCOAB596 | $15.2M |
| General loan and lease valuation allowances | RCOA5310 | $3.9M |
| Tier 2 (supplementary) capital | RCOA5311 | $3.9M |
| Tier 2 capital before deductions | RCOAP870 | $3.9M |
| Goodwill net of associated deferred tax liabilities (dtls) | RCOAP841 | $3.4M |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $3.4M |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1669 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1567 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1567 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0958 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0869 |
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)
About Schedule RC-R, Part II · Community First Bank risk-weighted assets trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $381.3M |
| Total risk-weighted assets | RCONG641 | $381.3M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $292.9M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $292.9M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $266.5M |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | $246.1M |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | $243.7M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $179.3M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $179.3M |
| Total cash and balances due from depository institutions | RCOND957 | $176.4M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $169.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $134.4M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $134.4M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $125.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $122.1M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $103.0M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $99.4M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $99.4M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $94.4M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $49.7M |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $40.8M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $30.0M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $26.9M |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $20.4M |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $20.4M |
| Total all other assets | RCOND981 | $19.0M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$15.5M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$15.2M |
| All other assets - 100 pct risk weight category | RCOND985 | $14.3M |
| Risk-weighted assets by risk-weighted category - 150 pct risk weight category | RCONS572 | $11.8M |
| Loans and leases, net of unearned income, residential mortgage exposures - 100 pct risk weight category | RCONS443 | $8.5M |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $8.2M |
| Loans and leases, net of unearned income, high volatility commercial real estate exposures - 150 pct risk weight category | RCONS447 | $7.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 150 pct risk weight category | RCONS561 | $7.8M |
| Total balance sheet assets - 150 pct risk weight category | RCONS503 | $7.8M |
| Total loans and leases, net of unearned income, high volatility commercial real estate exposures | RCONS445 | $7.8M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $6.7M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $6.0M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $6.0M |
| Notional principal amounts of over-the-counter derivate contracts, interest rate - one year or less | RCONS582 | $4.6M |
| All other assets - adjustments to totals reported in column a | RCONS469 | $3.4M |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $3.4M |
| Loans and leases, net of unearned income, all other exposures - 0 pct risk weight category | RCONS459 | $1.4M |
| Loans and leases held for sale, residential mortgage exposures - 50 pct risk weight category | RCONS416 | $1.3M |
| Total loans and leases held for sale, residential mortgage exposures | RCONS413 | $1.3M |
| Loans and leases, net of unearned income, all other exposures - 20 pct risk weight category | RCONS460 | $962K |
| All other assets - 20 pct risk weight category | RCOND983 | $943K |
| All other assets - 50 pct risk weight category | RCOND984 | $333K |
| Loans and leases, net of unearned income, residential mortgage exposures - 20 pct risk weight category | RCONS441 | $50K |
| All other assets - 0 pct risk weight category | RCOND982 | $15K |
Schedule RC-T: Fiduciary and Related Services (25 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Total fiduciary accounts - managed assets | RCONB894 | $1.66B |
| Investment management agency accounts - managed assets | RCONB886 | $1.51B |
| Total fiduciary accounts - non-managed assets | RCONB895 | $222.3M |
| Employee benefit-defined contribution - non-managed assets | RCONB873 | $195.5M |
| Personal trust and agency accounts - managed assets | RCONB868 | $126.8M |
| Fiduciary and related assets, foundation and endowment trust and agency accounts - managed assets | RCONJ255 | $23.7M |
| Fiduciary and related assets, investment mgmt and investment advisory agency accounts -non-managed assets | RCONJ253 | $23.4M |
| Income from fiduciary activities | RIAD4070 | $5.3M |
| Fiduciary and related services income-investment management and investment advisory agency accounts | RIADJ315 | $4.8M |
| Fiduciary and related assets, foundation and endowment trust and agency accounts - non-managed assets | RCONJ256 | $3.4M |
| Fiduciary and related assets, individual retirement accounts, health savings accounts, and other similar accounts - managed assets | RCONJ259 | $1.8M |
| Other retirement accounts - managed assets | RCONB880 | $1.8M |
| Employee benefit-defined contribution | RIADB905 | $252K |
| Personal trust and agency accounts | RIADB904 | $129K |
| Fiduciary and related services income-foundation and endowment trust and agency accounts | RIADJ316 | $50K |
| Total fiduciary accounts - number of managed accounts | RCONB896 | 5,310 |
| Investment management agency accounts - number of managed accounts | RCONB888 | 5,241 |
| Total fiduciary accounts - non-managed accounts | RCONB897 | 164 |
| Fiduciary and related assets, investment management and investment advisory agency accounts - number of non-managed accounts | RCONJ254 | 102 |
| Employee benefit-defined contribution - number of non-managed accounts | RCONB875 | 56 |
| Personal trust and agency accounts - number of managed accounts | RCONB870 | 40 |
| Fiduciary and related assets, foundation and endowment trust and agency accounts - number of managed accounts | RCONJ257 | 16 |
| Fiduciary and related assets, individual retirement accounts, health savings accounts, and other similar accounts - number of managed accounts | RCONJ261 | 13 |
| Other retirement accounts - number of managed accounts | RCONB882 | 13 |
| Fiduciary and related assets, foundation and endowment trust and agency accounts - number of non-managed accounts | RCONJ258 | 6 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Total equity capital | RIAD3210 | $48.0M |
| Balance end of previous calendar year as restated | RIADB508 | $44.7M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $44.7M |
| Cash dividends declared on common stock | RIAD4460 | $3.6M |
| Other comprehensive income | RIADB511 | $2.8M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Community First Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $203K |
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $203K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $47K |
| Recoveries on commercial and industrial loans | RIAD4608 | $26K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $21K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Community First Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $3.9M |
| Allowance for loan and lease losses | RIAD3123 | $3.8M |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $203K |
Schedule RI-E: Explanations (19 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Data processing expenses | RIADC017 | $1.5M |
| First itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4461 | $360K |
| Bank card and credit card interchange fees | RIADF555 | $354K |
| First itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4464 | $314K |
| Automated teller machine (ATM) and interchange expense | RIADF558 | $199K |
| Marketing and other professional services | RIAD0497 | $176K |
| Third itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4468 | $71K |
| Insurance expenses (not included in emplouee expenses, premises and fixed asset expenses, and other real estate owned expenses) | RIADY924 | $66K |
| Accounting and auditing expenses | RIADF556 | $65K |
| Telecommunications expense | RIADF559 | $61K |
| Second itemized amount that exceeds 10% of other noninterest expense (4092) | RIAD4467 | $59K |
| Printing, stationery, and supplies | RIADC018 | $46K |
| Income and fees from wire transfers | RIADT047 | $23K |
| Legal expense | RIAD4141 | $19K |
| Operating expenses communications - postage, monthly | RIAD8403 | $18K |
| Income and fees from the printing and sale of checks | RIADC013 | $10K |
| Consulting and advisory expense | RIADF557 | $8K |
| Income and fees from automated teller machines (atms) | RIADC016 | $7K |
| Safe deposit box rent | RIADC015 | $5K |
Community First Bank call reports on file
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