Community First National Bank: 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 Reserve coverage of non-performing loans: 1615.60 percentage points lower than in Q1 2026, at 866.72%. Within Kansas, Community First National Bank is 26th of 182 on return on assets, 2.06% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Community First National Bank reported 2.06% on return on assets in Q2 2026, 0.81 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.94% |
| Equity capital to assets | 10.85% |
| Tangible equity to tangible assets | 10.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.26% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | 866.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 19.28% |
| Net interest margin | 4.12% |
| Efficiency ratio | 60.27% |
| Yield on earning assets | 5.94% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.62% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 0.95% |
| Deposits to assets | 87.19% |
| Securities to assets | 2.25% |
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 | 13.60% | 13.60% | 14.85% | 10.76% | 1.40% |
| Q4 2023 | 13.27% | 13.27% | 14.53% | 10.97% | 1.39% |
| Q1 2024 | — | — | — | 10.53% | 1.48% |
| Q2 2024 | — | — | — | 10.66% | 1.60% |
| Q3 2024 | — | — | — | 10.59% | 1.79% |
| Q4 2024 | — | — | — | 10.74% | 1.62% |
| Q1 2025 | — | — | — | 10.72% | 1.50% |
| Q2 2025 | — | — | — | 10.48% | 1.85% |
| Q3 2025 | — | — | — | 10.67% | 1.81% |
| Q4 2025 | — | — | — | 10.90% | 1.63% |
| Q1 2026 | 12.38% | 12.38% | 13.63% | 10.64% | 1.69% |
| Q2 2026 | 13.08% | 13.08% | 14.34% | 10.94% | 2.06% |
Community First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35585) · FFIEC NIC profile (RSSD 2907019)