Bank Safety Analysis
Community First Bank: final safety record
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The standout move of Q2 2025 was in return on assets: 0.42 percentage points lower than in Q1 2025, at 1.06%. From Q3 2022 to Q2 2025, Community First Bank's CET1 ratio ranged between 14.48% (Q1 2024) and 15.67% (Q2 2025) and its Texas ratio ranged between 0.00% (Q2 2023) and 0.56% (Q3 2024). Between Q2 2024 and Q2 2025, Community First Bank's CET1 ratio rose from 14.55% to 15.67%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.05% to 0.06%, Texas ratio rose from 0.40% to 0.46% and return on assets rose from 0.76% to 1.06%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 15.67% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.58% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.06% are within industry-normal range.
Texas Ratio of 0.5% is well below the 100% historical failure threshold.
Efficiency ratio of 79.0% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 15.67% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.46% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.06% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 57.55% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 203.85% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2025 | 15.67% |
| Q1 2025 | 15.29% |
| Q4 2024 | 15.36% |
| Q3 2024 | 14.89% |
| Q2 2024 | 14.55% |
| Q1 2024 | 14.48% |
| Q4 2023 | 14.72% |
| Q3 2023 | 14.69% |
| Q2 2023 | 15.41% |
| Q1 2023 | 15.25% |
| Q4 2022 | 15.41% |
| Q3 2022 | 15.07% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2025 | 0.46% |
| Q1 2025 | 0.49% |
| Q4 2024 | 0.52% |
| Q3 2024 | 0.56% |
| Q2 2024 | 0.40% |
| Q1 2024 | 0.36% |
| Q4 2023 | 0.37% |
| Q3 2023 | 0.13% |
| Q2 2023 | 0.00% |
| Q1 2023 | 0.12% |
| Q4 2022 | 0.00% |
| Q3 2022 | 0.00% |
Community First Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2025 | 15.67% | 0.06% | 0.46% | 1.06% |
| Mar 31, 2025 | 15.29% | 0.06% | 0.49% | 1.48% |
| Dec 31, 2024 | 15.36% | 0.06% | 0.52% | 1.40% |
| Sep 30, 2024 | 14.89% | 0.07% | 0.56% | 0.92% |
| Jun 30, 2024 | 14.55% | 0.05% | 0.40% | 0.76% |
| Mar 31, 2024 | 14.48% | 0.04% | 0.36% | 0.87% |
| Dec 31, 2023 | 14.72% | 0.04% | 0.37% | 0.51% |
| Sep 30, 2023 | 14.69% | 0.01% | 0.13% | 0.54% |
| Jun 30, 2023 | 15.41% | 0.00% | 0.00% | 1.01% |
| Mar 31, 2023 | 15.25% | 0.01% | 0.12% | 0.99% |
| Dec 31, 2022 | 15.41% | 0.00% | 0.00% | 1.06% |
| Sep 30, 2022 | 15.07% | 0.00% | 0.00% | 1.53% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 34627) · FFIEC NIC profile (RSSD 2642598)
Explore: Full Community First Bank profile · Other banks in WA · Metric glossary · How the call report works