Community First Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 4.4% from Q1 2026 to Q2 2026, ending at $12.0M against $11.5M. It was the largest change among the key lines on this page. Community First Bank ranks 70th of 97 Missouri banks on CET1 ratio, in the lower half at 11.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Community First Bank sits 3.25 points lower, at 11.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.09% |
| Tier 1 leverage ratio | 8.57% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.4M |
| Tier 1 capital | $22.4M |
| Total risk-based capital | $24.8M |
| Total equity capital | $22.8M |
| Risk-weighted assets | $189.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.81% |
| Tangible equity to tangible assets | 8.47% |
| Equity capital to average assets | 8.69% |
| Internal capital growth rate | 9.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $314K |
| Common stock surplus | $11.1M |
| Retained earnings | $12.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$586K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.23% | 13.23% | 14.49% | 9.92% | $179.8M |
| Q4 2023 | 11.26% | 11.26% | 12.51% | 8.65% | $187.6M |
| Q1 2024 | 11.69% | 11.69% | 12.95% | 8.56% | $185.3M |
| Q2 2024 | 12.41% | 12.41% | 13.67% | 9.19% | $181.6M |
| Q3 2024 | 12.60% | 12.60% | 13.86% | 9.46% | $184.0M |
| Q4 2024 | 11.23% | 11.23% | 12.49% | 8.63% | $189.1M |
| Q1 2025 | 11.59% | 11.59% | 12.85% | 8.85% | $188.9M |
| Q2 2025 | 12.02% | 12.02% | 13.28% | 9.15% | $189.0M |
| Q3 2025 | 12.63% | 12.63% | 13.89% | 9.47% | $186.5M |
| Q4 2025 | 10.89% | 10.89% | 12.15% | 8.31% | $193.6M |
| Q1 2026 | 11.54% | 11.54% | 12.79% | 8.44% | $189.8M |
| Q2 2026 | 11.83% | 11.83% | 13.09% | 8.57% | $189.4M |
Community First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank, freeSource: Call Report Schedule RC-R, 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 10595) · FFIEC NIC profile (RSSD 756848)