Community First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank of Butler, MO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.13% | 1.25% | +0.88% | 88th top |
| ROAE | 24.79% | 12.22% | +12.57% | 95th top |
| Net Interest Margin | 4.75% | 3.95% | +0.80% | 87th top |
| Efficiency Ratio | 46.55% | 63.71% | -17.16% | 88th top |
| PPNR / Avg Assets | 2.59% | — | — | 91st top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 1.66% | 1.87% | -0.21% | 59th above |
| Net Interest Spread | 4.18% | — | — | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.95% | 0.88% | +0.07% | 29th below |
| NPA / Total Assets | 0.74% | — | — | 28th below |
| NCO / Avg Loans | 1.23% | 0.15% | +1.08% | 2nd bottom |
| ACL / Total Loans | 1.59% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 167.87% | — | — | 43rd below |
| Texas Ratio | 7.65% | 5.96% | +1.69% | 24th bottom |
| Provision / NCO | 47.92% | — | — | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 17.18% | -5.35% | 15th bottom |
| Tier 1 Ratio | 11.83% | 17.21% | -5.38% | 15th bottom |
| Total Capital Ratio | 13.09% | — | — | 17th bottom |
| Leverage Ratio | 8.57% | 11.75% | -3.18% | 7th bottom |
| Equity / Assets | 8.81% | 10.98% | -2.17% | 24th bottom |
| TCE / Tangible Assets | 8.47% | — | — | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.08% | 80.44% | +5.64% | 38th below |
| Core Deposit Ratio | 95.51% | 86.95% | +8.56% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.08% | — | — | 47th below |
| Loan Growth (Y/Y) | -0.89% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 4.51% | — | — | 54th above |
See Community First Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First 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.