Community First Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank, N.A. of Forest, OH against its peer group of 536 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 | 0.58% | 3.14% | -2.56% | 29th below |
| ROAE | 6.63% | 10.42% | -3.79% | 39th below |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 37th below |
| Efficiency Ratio | 80.70% | 76.29% | +4.41% | 30th below |
| PPNR / Avg Assets | 0.74% | 1.40% | -0.66% | 28th below |
| Yield on Earning Assets | 4.26% | 5.35% | -1.09% | 17th bottom |
| Cost of Funds | 0.85% | 1.71% | -0.86% | 86th top |
| Net Interest Spread | 3.37% | 3.31% | +0.06% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 26th below |
| ACL / Total Loans | 0.48% | 1.49% | -1.01% | 3rd bottom |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
| Provision / NCO | 0.00% | 315.58% | -315.58% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.46% | 62.00% | -42.54% | 41st below |
| Tier 1 Ratio | 19.46% | 62.01% | -42.55% | 41st below |
| Total Capital Ratio | 20.06% | 62.97% | -42.91% | 38th below |
| Leverage Ratio | 9.38% | 17.62% | -8.24% | 13th bottom |
| Equity / Assets | 9.09% | 16.43% | -7.34% | 18th bottom |
| TCE / Tangible Assets | 9.09% | 16.19% | -7.10% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 67.47% | 72.84% | -5.37% | 49th below |
| Core Deposit Ratio | 94.84% | 88.20% | +6.64% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.67% | 4.31% | -5.98% | 22nd bottom |
| Loan Growth (Y/Y) | 12.15% | 6.71% | +5.44% | 82nd top |
| Deposit Growth (Y/Y) | -2.34% | 3.78% | -6.12% | 23rd bottom |
See Community First Bank, N.A.'s peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.