Bank Comparison
Putnam County State Bank vs Community First Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 4
winning metrics across 13 scored rows (1 tied)
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Capital adequacy
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.52% | 10.31% |
| Equity / Assets | 13.43% | 9.19% |
Profitability
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.90% | 1.36% |
| Return on Equity (ROE) | 14.32% | 15.44% |
| Net Interest Margin (NIM) | 3.46% | 3.74% |
| Yield on Earning Assets | 5.95% | 5.63% |
| Cost of Funds | 2.78% | 2.00% |
Asset quality
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| Texas Ratio | 3.18% | 5.32% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.52% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.38% | 0.88% |
Balance sheet
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| Total Assets | $317.6M | $307.3M |
| Total Deposits | $273.7M | $262.2M |
| Total Loans | $236.2M | $236.7M |
| Total Equity | $42.7M | $28.2M |
| Net Income (quarter) | $1.5M | $1.1M |
Liquidity & funding
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 86.31% | 90.28% |
| Core Deposit Ratio | 82.19% | 90.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| Headquarters City | Unionville | West Plains |
| Headquarters State | MO | MO |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 26 | 39 |
| Established | July 5, 1979 | November 13, 1997 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Putnam County State Bank profile | View full Community First Banking Company profile | Browse all bank comparisons