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Community First Bank

Butler, MO · Cert 10595 · Community First Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Community First Bank

Butler, MO · Cert 10595 · Community First Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$258.9MAssets
$202.0MLoans
$234.6MDeposits
$22.8MEquity
Loan mix
74%RE $135.1M20%C&I $37.1M6%Consumer $10.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $183.5M22%Noninterest $51.1MQ2 2025Q2 2026

NIM

5.86%Q2 ’246.08%Q2 ’256.09%Q2 ’26+6%+3%

Non-interest income vs. expense

2.16%Q2 ’242.25%Q2 ’252.30%Q2 ’26+9%+6%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #49 of 114 inst. · $0.2B of $99.1B

38.6% Bates
17.2% St. Clair
1.7% Cass

Executive Summary

  • Earnings: ROA of 1.85%, down 12 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.95% of loans (+61 bps YoY), with net charge-offs at 0.95%.
  • Capital: tier 1 leverage ratio of 8.57%, down 58 bps from a year ago.
  • Funding: loans stand at 86.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+12 bps YoY

Efficiency Ratio (YTD, annualized)

46.92%+50 bps YoY

Tier 1 Leverage Ratio

8.57%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.96%2.02%2.04%2.00%1.85%-12 bps
Return on Equity22.17%22.33%23.13%23.98%21.70%-47 bps
Net Interest Margin4.47%4.52%4.49%4.64%4.59%+12 bps
Efficiency Ratio46.42%46.08%45.70%47.23%46.92%+50 bps
Non-Interest Burden1.90%1.90%1.87%2.05%2.01%+11 bps
Growth
Asset Growth (YoY)-1.06%2.81%6.49%3.88%4.08%+514 bps
Loan Growth (YoY)3.38%1.28%1.98%-0.22%-0.89%-427 bps
Deposit Growth (YoY)0.67%2.85%6.96%4.12%4.51%+384 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.60%0.89%0.67%0.95%+61 bps
Net Charge-Offs / Loans-0.45%-0.27%-0.13%0.65%0.95%+140 bps
Allowance / Loans1.99%1.99%1.86%1.73%1.59%-40 bps
Allowance Coverage of NPLs6.0x3.3x2.1x2.6x1.7x-4.3x
Capital
Tier 1 Leverage Ratio9.15%9.47%8.31%8.44%8.57%-58 bps
Total Risk-Based Capital13.28%13.89%12.15%12.79%13.09%-19 bps
Equity / Assets9.24%9.62%8.09%8.62%8.81%-43 bps
Liquidity & Funding
Loans / Deposits90.77%90.08%85.38%87.03%86.08%-469 bps
Liquid Assets / Assets6.09%6.42%7.86%8.69%5.46%-63 bps
CRE / Total Capitaln/a170.36%193.64%192.75%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Community First Bank

Butler, MO · Cert 10595 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Community First Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$258.9MAssets
$202.0MLoans
$234.6MDeposits
$22.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets in the Kansas City, MO-KS area (rank 9 of 40).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 38 of 39).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.86%

Rank 10 of 40

Net Interest Margin

4.59%

Rank 13 of 40

Efficiency Ratio

47.26%

Rank 9 of 40

Equity / Assets

8.81%

Rank 27 of 40

Non-interest income vs. expense

$0.8M$6.0MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 80% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 47.26%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.86%1.02%1.39%1.86%Beats 75%10 / 40
Return on Equity21.15%10.74%14.78%21.32%Beats 73%11 / 40
Net Interest Margin4.59%3.33%4.05%4.63%Beats 68%13 / 40
Efficiency Ratio47.26%51.70%58.10%69.29%Beats 80%9 / 40
Asset Quality
Nonperforming Loans / Loans0.95%0.05%0.20%1.11%Beats 28%29 / 39
Net Charge-Offs / Loans0.48%n/a0.00%0.05%Beats 5%38 / 39
Capital
Tier 1 Capital Ratio11.83%11.32%12.27%16.94%Beats 38%25 / 40
Total Risk-Based Capital Ratio13.09%11.32%13.09%17.63%Beats 50%20 / 40
Equity / Assets8.81%8.41%10.10%12.34%Beats 33%27 / 40
Liquidity & Funding
Loans / Deposits86.08%73.50%85.60%94.85%55th pctl18 / 40
Loans / Assets78.02%62.75%69.87%79.23%68th pctl13 / 40
Brokered Deposits / Depositsn/aNot reported for this institution