Community First Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.44 percentage points higher than in Q1 2026, at 67.47%. Within Ohio, Community First Bank, N.A. is 121st of 156 on return on assets, 0.58% as of Q2 2026, below the middle of the field. Community First Bank, N.A. reported 0.58% on return on assets for Q2 2026, 0.39 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.46% |
| Tier 1 risk-based capital ratio | 19.46% |
| Total risk-based capital ratio | 20.06% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.48% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 6.63% |
| Net interest margin | 3.66% |
| Efficiency ratio | 80.70% |
| Yield on earning assets | 4.26% |
| Cost of funds | 0.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.47% |
| Core deposits to total deposits | 94.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.69% |
| Securities to assets | 18.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.39% | 19.39% | 20.01% | 8.53% | 0.12% |
| Q4 2023 | 18.85% | 18.85% | 19.46% | 8.46% | 0.06% |
| Q1 2024 | 19.31% | 19.31% | 19.93% | 8.78% | -0.14% |
| Q2 2024 | 19.48% | 19.48% | 20.11% | 8.97% | 0.06% |
| Q3 2024 | 19.21% | 19.21% | 19.83% | 9.22% | 0.18% |
| Q4 2024 | 19.15% | 19.15% | 19.77% | 9.12% | 0.21% |
| Q1 2025 | 19.61% | 19.61% | 20.25% | 9.12% | 0.16% |
| Q2 2025 | 19.38% | 19.38% | 20.01% | 9.08% | 0.30% |
| Q3 2025 | 19.72% | 19.72% | 20.35% | 9.00% | 0.19% |
| Q4 2025 | 19.49% | 19.49% | 20.11% | 9.25% | 0.44% |
| Q1 2026 | 19.42% | 19.42% | 20.03% | 9.46% | 0.41% |
| Q2 2026 | 19.46% | 19.46% | 20.06% | 9.38% | 0.58% |
Community First Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6584) · FFIEC NIC profile (RSSD 579319)