Community First Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank of Kennewick, WA against its peer group of 2765 similarly-sized US banks as of Q2 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.06% | 1.16% | -0.10% | 44th worse half |
| ROAE | 14.16% | 11.98% | +2.18% | 64th better half |
| Net Interest Margin | 3.10% | 3.73% | -0.63% | 21st worst quarter |
| Efficiency Ratio | 78.96% | 62.64% | +16.32% | 85th worst quarter |
| PPNR / Avg Assets | 1.07% | 1.47% | -0.40% | 29th worse half |
| Yield on Earning Assets | 4.61% | 5.53% | -0.92% | 14th |
| Cost of Funds | 1.65% | 1.95% | -0.30% | 32nd better half |
| Net Interest Spread | 2.44% | 3.05% | -0.61% | 21st worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.36% | -0.30% | 23rd best quarter |
| NPA / Total Assets | 0.03% | 0.27% | -0.24% | 20th best quarter |
| NCO / Avg Loans | 0.12% | 0.00% | +0.12% | 84th worst quarter |
| ACL / Total Loans | 1.05% | 1.20% | -0.15% | 32nd |
| ACL / NPLs (Coverage) | 1684.82% | 250.52% | +1434.30% | — |
| Texas Ratio | 0.46% | 2.41% | -1.95% | 24th best quarter |
| Provision / NCO | 20.37% | 135.82% | -115.45% | 27th |
| CRE / Total Capital | 203.85% | 122.56% | +81.29% | 74th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.67% | 14.75% | +0.92% | 57th better half |
| Tier 1 Ratio | 15.67% | 14.79% | +0.88% | 57th better half |
| Total Capital Ratio | 16.69% | 15.93% | +0.76% | 56th better half |
| Leverage Ratio | 9.58% | 10.80% | -1.22% | 26th worse half |
| Equity / Assets | 7.14% | 9.82% | -2.68% | 12th worst quarter |
| TCE / Tangible Assets | 6.66% | 9.58% | -2.92% | 10th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 57.55% | 79.50% | -21.95% | 16th |
| Core Deposit Ratio | 90.76% | 89.12% | +1.64% | 59th better half |
| Borrowings / Total Assets | 0.01% | 3.76% | -3.75% | 1st best quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.29% | 4.13% | +2.16% | 65th |
| Loan Growth (Y/Y) | -1.76% | 5.28% | -7.04% | 14th |
| Deposit Growth (Y/Y) | 5.78% | 4.52% | +1.26% | 58th |
See Community First Bank's peers by name
The 2765 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community First Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Community First Bank peer analysis.