Community First Bank, N.A. (Forest, OH)
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Data as of · sourced from FFIEC call reports. How we update
Community First Bank, N.A. is an FDIC-insured commercial bank headquartered in Forest, OH, established in 1904 (FDIC certificate 6584), and it is supervised by the OCC. At Q2 2026 it reported total assets of $56.3M, down 1.7% from Q2 2025, the 146th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 19.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6584
- Headquarters
- Forest, OH
- Established
- 1904
- Total assets, Q2 2026
- $56.3M
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 19.46%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 041207150
- Latest call report
- Q2 2026, FFIEC 051 · Community First Bank, N.A. call report
- Holding company
- COMMUNITY FIRST BANCSHARES, INC.
- Asset rank in state
- 146th of 154 in Ohio
Community First Bank, N.A., based in Forest, Ohio, reported $56 million in assets at June 30, 2026, down 1.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it funds 9.38% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Earnings jumped: net income for the quarter was $84,000, 95% above the same quarter a year earlier. Over the same year, loans grew 12.1% and deposits shrank 2.3%.
As of June 30, 2026, Community First Bank, N.A. reported a CET1 capital ratio of 19.46%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Community First Bank, N.A. ranks as the 146th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $56.3M, loans rose 6.1% and deposits fell 4.0%. 1-4 family residential loans made up 59.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.1%. The FDIC Summary of Deposits lists 3 offices for it, in Forest, OH, Kenton, OH and Upper Sandusky, OH; its Forest office books 67% of its branch deposits. Judged on its Q2 2026 call report, Community First Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 E Lima St, Forest, OH 45843
- County
- Hardin
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $51.1M
- Allowance for credit losses
- $167K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $57.6M
- Average total loans
- $34.0M
- Average interest-bearing deposits
- $25.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6584
- Fed RSSD
- 579319
- Website
- www.com1stbank.com →
- Parent Holding Company
- COMMUNITY FIRST BANCSHARES, INC. (RSSD 2293093)
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, N.A.'s total assets ran between $55.3M (Q4 2024) and $61.2M (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$56.3M total assets against $57.3M; $51.2M total liabilities against $52.5M.
$34.3M net loans and leases against $30.6M; $51.1M total deposits against $52.3M.
$10.2M securities against $14.7M; $10.6M cash and balances due against $10.8M.
$603K total interest income against $537K; $84K total interest expense against $98K.
$519K net interest income against $439K.
$29K total noninterest income against $28K; $442K total noninterest expense against $414K.
No provision recorded in the last 12 quarters.
$84K net income against $43K.
0.58% return on assets against 0.30%; 3.66% net interest margin against 3.13%.
19.46% CET1 capital ratio against 19.38%; 9.38% tier 1 leverage ratio against 9.08%.
Inside the full Community First Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.16% (Q1 2025) to 0.58% (Q2 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.46% | 0.58% | 0.00% | 0.00% | 3.66% |
| Q1 2026 | 19.42% | 0.41% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 19.49% | 0.44% | 0.00% | 0.00% | 3.48% |
| Q3 2025 | 19.72% | 0.19% | 0.00% | 0.00% | 3.19% |
| Q2 2025 | 19.38% | 0.30% | 0.00% | 0.00% | 3.13% |
| Q1 2025 | 19.61% | 0.16% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 19.15% | 0.21% | 0.00% | 0.00% | 2.94% |
| Q3 2024 | 19.21% | 0.18% | 0.00% | 0.00% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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, N.A. (main office) | Forest , OH | 45843 | $34.1M |
| Kenton Branch | Kenton , OH | 43326 | $10.3M |
| Upper Sandusky Branch | Upper Sandusky , OH | 43351 | $6.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 169 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $235K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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, N.A.
What are Community First Bank, N.A.'s total assets?
As of the Q2 2026 filing, Community First Bank, N.A. reported total assets of $56.3 million in its FFIEC call report.
Where is Community First Bank, N.A. headquartered?
It is headquartered in Forest, OH, United States.
When was Community First Bank, N.A. founded?
It was established in 1904, per the FDIC institution directory.
Is Community First Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6584). 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, N.A.?
Community First Bank, N.A.'s primary federal regulator is the OCC.
What is Community First Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community First Bank, N.A. operate?
It operates 3 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, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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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