Community First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First National Bank of Manhattan, KS against its peer group of 2603 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 | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE | 19.28% | 13.32% | +5.96% | 85th top |
| Net Interest Margin | 4.12% | 3.93% | +0.19% | 60th above |
| Efficiency Ratio | 60.27% | 61.13% | -0.86% | 53rd above |
| PPNR / Avg Assets | 2.28% | 1.68% | +0.60% | 83rd top |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 3.56% | 3.32% | +0.24% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 64th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 1.70% | 1.28% | +0.42% | 87th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 866.72% | 1546.39% | -679.67% | 81st top |
| Texas Ratio | 1.26% | 7.34% | -6.08% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.08% | 19.49% | -6.41% | 29th below |
| Tier 1 Ratio | 13.08% | 19.52% | -6.44% | 29th below |
| Total Capital Ratio | 14.34% | 20.61% | -6.27% | 30th below |
| Leverage Ratio | 10.94% | 12.14% | -1.20% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.36% | -0.51% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.08% | -0.23% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.62% | 80.66% | +8.96% | 29th below |
| Core Deposit Ratio | 92.00% | 86.85% | +5.15% | 67th above |
| Wholesale Funding Ratio | 0.88% | 5.04% | -4.16% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.99% | 6.84% | -1.85% | 55th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.95% | 7.92% | -1.97% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.43% | 6.29% | -1.86% | 53rd above |
See Community First National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First National 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 National Bank profile, how to read a UBPR, or how this data updates.