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 Menahga, MN 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 | 1.68% | 1.25% | +0.43% | 73rd above |
| ROAE | 13.46% | 12.22% | +1.24% | 56th above |
| Net Interest Margin | 4.07% | 3.95% | +0.12% | 56th above |
| Efficiency Ratio | 58.71% | 63.71% | -5.00% | 57th above |
| PPNR / Avg Assets | 1.83% | — | — | 64th above |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 46th below |
| Cost of Funds | 1.64% | 1.87% | -0.23% | 60th above |
| Net Interest Spread | 3.54% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.88% | -0.60% | 58th above |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 1.38% | — | — | 70th above |
| ACL / NPLs (Coverage) | 486.70% | — | — | 70th above |
| Texas Ratio | 1.19% | 5.96% | -4.77% | 66th above |
| Provision / NCO | 42.86% | — | — | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.84% | 11.75% | +1.09% | 73rd above |
| Equity / Assets | 12.64% | 10.98% | +1.66% | 76th top |
| TCE / Tangible Assets | 12.12% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.31% | 80.44% | -19.13% | 82nd top |
| Core Deposit Ratio | 92.27% | 86.95% | +5.32% | 69th above |
| Wholesale Funding Ratio | 1.33% | — | — | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.92% | — | — | 31st below |
| Loan Growth (Y/Y) | -1.45% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | 2.11% | — | — | 35th below |
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.