Community First National Bank
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Data as of · sourced from FFIEC call reports. How we update
Community First National Bank is an FDIC-insured commercial bank headquartered in Manhattan, KS, established in 2001 (FDIC certificate 35585), and it is supervised by the OCC. At Q2 2026 it reported total assets of $374.7M, up 5.0% from Q2 2025, the 59th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.08% 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
- 35585
- Headquarters
- Manhattan, KS
- Established
- 2001
- Total assets, Q2 2026
- $374.7M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 13.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101114918
- Latest call report
- Q2 2026, FFIEC 051 · Community First National Bank call report
- Holding company
- TTAC CORP.
- Asset rank in state
- 59th of 182 in Kansas
Community First National Bank is one of the more profitable banks of its size. It reported $375 million in assets at June 30, 2026, up 5.0% from a year earlier. It earns about $2.06 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 1.51%. Its $56 million non-owner-occupied commercial real estate book is now fully current, after 7.14% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Community First National Bank reported a CET1 capital ratio of 13.08%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community First National Bank is the 59th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $374.7M, loans fell 0.9% and deposits rose 1.8%. Leases made up 24.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.2%. Its 2 offices in the FDIC Summary of Deposits are in Manhattan, KS. By the capital ratios in its Q2 2026 call report, Community First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 S Seth Child Rd, Manhattan, KS 66502
- County
- Riley
- Metro Area
- Manhattan, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 2001
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $326.7M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $371.9M
- Average total loans
- $222.2M
- Average interest-bearing deposits
- $277.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 2001
- FDIC Cert
- 35585
- Fed RSSD
- 2907019
- SEC CIK
- 1111977 → filed by TTAC CORP.
- Website
- www.cfnb.bank →
- Parent Holding Company
- TTAC CORP. (RSSD 2948517)
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
Community First National Bank's total assets moved between a low of $317.7M (Q3 2023) and a high of $374.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$374.7M total assets against $356.9M; $334.0M total liabilities against $319.6M.
$287.8M net loans and leases against $271.6M; $326.7M total deposits against $312.8M.
$8.4M securities against $7.5M; $69.6M cash and balances due against $69.0M.
$5.2M total interest income against $5.1M; $1.7M total interest expense against $1.9M.
$3.5M net interest income against $3.2M.
$2.1M total noninterest income against $2.0M; $3.6M total noninterest expense against $3.2M.
$58K provision for credit losses against $43K.
$1.9M net income against $1.6M.
2.06% return on assets against 1.85%; 4.12% net interest margin against 3.86%.
13.08% CET1 capital ratio; 10.94% tier 1 leverage ratio against 10.48%.
Inside the full Community First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community First National Bank rankings
Its closest position to the top of a national ranking is 427 of 3,611, for ROA; its furthest is 2,567 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q1 2025) to 2.06% (Q2 2026) and its net interest margin ran from 3.85% (Q1 2025) to 4.19% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.08% | 2.06% | 0.20% | 1.26% | 4.12% |
| Q1 2026 | 12.38% | 1.69% | 0.13% | 10.86% | 4.19% |
| Q4 2025 | — | 1.63% | 1.62% | 10.41% | 3.98% |
| Q3 2025 | — | 1.81% | 1.48% | 9.60% | 4.02% |
| Q2 2025 | — | 1.85% | 1.51% | 9.90% | 3.86% |
| Q1 2025 | — | 1.50% | 1.49% | 10.06% | 3.85% |
| Q4 2024 | — | 1.62% | 1.52% | 10.80% | 3.99% |
| Q3 2024 | — | 1.79% | 1.59% | 11.04% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 National Bank (main office) | Manhattan , KS | 66502 | $289.1M |
| Tuttle Creek Branch | Manhattan , KS | 66502 | $37.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 70 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 529 applications, 433 loans originated, $151.0M originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 National Bank
What are Community First National Bank's total assets?
As of the Q2 2026 filing, Community First National Bank reported total assets of $374.7 million in its FFIEC call report.
Where is Community First National Bank headquartered?
It is headquartered in Manhattan, KS, United States.
When was Community First National Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Community First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First National Bank?
Community First National Bank's primary federal regulator is the OCC.
What is Community First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.08% 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 National Bank operate?
It operates 2 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 National Bank's Texas Ratio?
Its Texas Ratio is 1.26% 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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