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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

6.04%Q2 ’246.15%Q2 ’256.06%Q2 ’26+2%+1%

Non-interest income vs. expense

2.13%Q2 ’242.26%Q2 ’252.29%Q2 ’26+8%+4%

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 1.70%, down 37 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.95% of loans (+61 bps YoY), with net charge-offs at 1.24%.
  • 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 (quarter, annualized)

1.70%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.58%+4 bps YoY

Efficiency Ratio (quarter, annualized)

46.61%+72 bps YoY

Tier 1 Leverage Ratio

8.57%-58 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%2.14%2.14%2.00%1.70%-37 bps
Return on Equity22.86%22.66%24.24%23.98%19.46%-339 bps
Net Interest Margin4.54%4.65%4.64%4.64%4.58%+4 bps
Efficiency Ratio45.90%45.41%44.62%47.23%46.61%+72 bps
Non-Interest Burden1.90%1.92%1.88%2.05%1.98%+8 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-0.88%0.12%0.24%0.65%1.24%+212 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