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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