Community First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 49.68 percentage points in Q2 2026, from 237.45% to 187.77%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Community First Bank is 18th of 103 on return on assets, 1.80% as of Q2 2026, above the middle of the field. Community First Bank reported 1.80% on return on assets for Q2 2026, 0.55 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.18% |
| Tier 1 risk-based capital ratio | 14.18% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 9.74% |
| Equity capital to assets | 9.14% |
| Tangible equity to tangible assets | 9.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.75% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.48% |
| Texas ratio | 5.31% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 187.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 20.39% |
| Net interest margin | 4.41% |
| Efficiency ratio | 58.37% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.28% |
| Core deposits to total deposits | 91.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.43% |
| Securities to assets | 17.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.15% | 13.15% | 14.40% | 9.06% | 1.40% |
| Q4 2023 | 12.82% | 12.82% | 14.07% | 9.10% | 1.32% |
| Q1 2024 | 12.74% | 12.74% | 14.00% | 9.16% | 1.39% |
| Q2 2024 | 12.77% | 12.77% | 14.03% | 9.49% | 1.46% |
| Q3 2024 | 12.97% | 12.97% | 14.23% | 9.90% | 1.77% |
| Q4 2024 | 13.16% | 13.16% | 14.41% | 9.83% | 1.83% |
| Q1 2025 | 13.33% | 13.33% | 14.58% | 9.76% | 1.78% |
| Q2 2025 | 13.81% | 13.81% | 15.07% | 9.71% | 1.81% |
| Q3 2025 | 14.09% | 14.09% | 15.34% | 10.01% | 1.81% |
| Q4 2025 | 13.94% | 13.94% | 15.19% | 9.90% | 1.85% |
| Q1 2026 | 14.20% | 14.20% | 15.45% | 9.65% | 1.83% |
| Q2 2026 | 14.18% | 14.18% | 15.43% | 9.74% | 1.80% |
Community First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35020) · FFIEC NIC profile (RSSD 2775179)