Community First Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Community First Bank, N.A. is a small community bank chartered in 1904, based in Forest, OH. As of Q2 2026, the bank held approximately $56M in total assets and $51M in deposits. Returns are subdued: 0.58% ROA and 6.63% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 19.46% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.00% NPLs and a 0.00% Texas Ratio. 3 branches make up the footprint.
As of June 30, 2026, Community First Bank, N.A. reported a CET1 capital ratio of 19.46%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 118 E Lima St, Forest, OH 45843
- County
- Hardin
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 1904
- Offices
- 3 domestic
- Employees (FTE)
- 13
- Domestic deposits
- $51.1M
- Allowance for credit losses
- $167K
- Net charge-offs (YTD)
- $2K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6584
- Fed RSSD
- 579319
- Website
- www.com1stbank.com →
- Parent Holding Company
- COMMUNITY FIRST BANCSHARES, INC. (RSSD 2293093)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community First Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.46% | 0.58% | 0.00% | 0.00% | 3.66% |
| Q1 2026 | 19.42% | 0.41% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 19.49% | 0.44% | 0.00% | 0.00% | 3.48% |
| Q3 2025 | 19.72% | 0.19% | 0.00% | 0.00% | 3.19% |
| Q2 2025 | 19.38% | 0.30% | 0.00% | 0.00% | 3.13% |
| Q1 2025 | 19.61% | 0.16% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 19.15% | 0.21% | 0.00% | 0.00% | 2.94% |
| Q3 2024 | 19.21% | 0.18% | 0.00% | 0.00% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community First Bank, N.A. (main office) | Forest , OH | 45843 | $34.1M |
| Kenton Branch | Kenton , OH | 43326 | $10.3M |
| Upper Sandusky Branch | Upper Sandusky , OH | 43351 | $6.7M |
Regulatory record
What the public regulatory sources show for Community First Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 169 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Community First Bank, N.A.
What are Community First Bank, N.A.'s total assets?
As of the Q2 2026 filing, Community First Bank, N.A. reported total assets of $56.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community First Bank, N.A. headquartered?
Community First Bank, N.A. is headquartered in Forest, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Community First Bank, N.A. founded?
Community First Bank, N.A. was established in 1904, per the FDIC institution directory.
Is Community First Bank, N.A. FDIC-insured?
Yes. Community First Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #6584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First Bank, N.A.?
Community First Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community First Bank, N.A.'s CET1 capital ratio?
Community First Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 19.46% 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 Bank, N.A. operate?
Community First Bank, N.A. operates 3 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 Bank, N.A.'s Texas Ratio?
Community First Bank, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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