Community First Bank (Butler, MO)
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Data as of · sourced from FFIEC call reports. How we update
Community First Bank is an FDIC-insured commercial bank headquartered in Butler, MO, established in 1932 (FDIC certificate 10595), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $258.9M, up 4.1% from Q2 2025, the 107th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10595
- Headquarters
- Butler, MO
- Established
- 1932
- Total assets, Q2 2026
- $258.9M
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101205063
- Holding company
- COMMUNITY FIRST BANCSHARES, INC.
- Asset rank in state
- 107th of 191 in Missouri
Problem loans are rising at Community First Bank. The Butler, Missouri bank had $259 million in assets at June 30, 2026, up 4.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.33% a year earlier. It returns 24.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.57% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Net income for the quarter slipped 15% from a year earlier, to $1.4 million. Over the same year, loans shrank 0.9% and deposits grew 4.5%. Credit is the area to watch: it carries problem assets equal to 7.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Community First Bank reported a CET1 capital ratio of 11.83%, a return on assets of 2.13%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 7.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community First Bank is the 107th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets were flat, loans fell 1.4% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.6% of total loans, ahead of farmland and other real estate loans at 19.8%. Its 4 offices in the FDIC Summary of Deposits are in Butler, MO, Appleton City, MO and Garden City, MO; its Butler 2 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 915 W Fort Scott St, Butler, MO 64730
- County
- Bates
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1932
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $234.6M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $961K
- Average total assets
- $262.6M
- Average total loans
- $204.2M
- Average interest-bearing deposits
- $185.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10595
- Fed RSSD
- 756848
- Website
- www.communityfirstbank.net →
- Parent Holding Company
- COMMUNITY FIRST BANCSHARES, INC. (RSSD 2587411)
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
Over the 12 quarters to Q2 2026, Community First Bank's total assets ran between $242.2M (Q3 2023) and $266.8M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$258.9M total assets against $248.7M; $236.0M total liabilities against $225.7M.
$198.8M net loans and leases against $199.7M; $234.6M total deposits against $224.5M.
$20.7M securities against $21.0M; $31.1M cash and balances due against $19.7M.
$4.0M total interest income against $3.8M; $980K total interest expense against $1.0M.
$3.0M net interest income against $2.8M.
$206K total noninterest income against $226K; $1.5M total noninterest expense against $1.4M.
$300K provision for credit losses against $0.
$1.4M net income against $1.6M.
2.13% return on assets against 2.63%; 4.75% net interest margin against 4.69%.
11.83% CET1 capital ratio against 12.02%; 8.57% tier 1 leverage ratio against 9.15%.
Inside the full Community First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity First Bank rankings
Its closest position to the top of a national ranking is 368 of 3,611, for ROA; its furthest is 1,759 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.13% (Q2 2026) to 2.75% (Q4 2025) and its net interest margin ran from 4.36% (Q3 2024) to 4.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 2.13% | 0.95% | 7.65% | 4.75% |
| Q1 2026 | 11.54% | 2.57% | 0.67% | 5.49% | 4.80% |
| Q4 2025 | 10.89% | 2.75% | 0.89% | 7.58% | 4.81% |
| Q3 2025 | 12.63% | 2.71% | 0.60% | 4.48% | 4.80% |
| Q2 2025 | 12.02% | 2.63% | 0.33% | 2.62% | 4.69% |
| Q1 2025 | 11.59% | 2.38% | 0.36% | 3.00% | 4.57% |
| Q4 2024 | 11.23% | 2.56% | 0.49% | 4.20% | 4.51% |
| Q3 2024 | 12.60% | 2.46% | 0.46% | 3.58% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. 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) | Butler , MO | 64730 | $122.7M |
| Appleton City Branch | Appleton City , MO | 64724 | $45.6M |
| Lead Bank Main Street Branch | Garden City , MO | 64747 | $34.1M |
| Cfb West Branch | Butler , MO | 64730 | $32.2M |
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 |
|---|---|---|---|
| May 1, 2010 | Structure Change | Acquired BC National Banks Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 30, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- January 20, 2016, OCC: Formal Agreement: First Community National Bank
- Period: Most recent institution action January 20, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 130 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 75 loans originated, $9.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $340K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community First Bank
What are Community First Bank's total assets?
As of the Q2 2026 filing, Community First Bank reported total assets of $258.9 million in its FFIEC call report.
Where is Community First Bank headquartered?
It is headquartered in Butler, MO, United States.
When was Community First Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Community First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10595). 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 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community First Bank operate?
It operates 4 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 7.65% in its Q2 2026 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.
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