Butler, MO · Cert 10595 · Community First Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #49 of 114 inst. · $0.2B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 2.03% | 1.86% | 2.07% | 2.14% | 2.14% | 2.00% | 1.70% | -37 bps | |
| Return on Equity | 20.95% | 22.46% | 21.49% | 22.86% | 22.66% | 24.24% | 23.98% | 19.46% | -339 bps | |
| Net Interest Margin | 4.23% | 4.36% | 4.42% | 4.54% | 4.65% | 4.64% | 4.64% | 4.58% | +4 bps | |
| Efficiency Ratio | 46.41% | 45.02% | 46.96% | 45.90% | 45.41% | 44.62% | 47.23% | 46.61% | +72 bps | |
| Non-Interest Burden | 1.76% | 1.78% | 1.91% | 1.90% | 1.92% | 1.88% | 2.05% | 1.98% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | -0.89% | -0.24% | -1.06% | 2.81% | 6.49% | 3.88% | 4.08% | +514 bps | |
| Loan Growth (YoY) | 5.39% | 3.27% | 4.00% | 3.38% | 1.28% | 1.98% | -0.22% | -0.89% | -427 bps | |
| Deposit Growth (YoY) | 4.01% | 3.56% | 1.49% | 0.67% | 2.85% | 6.96% | 4.12% | 4.51% | +384 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.49% | 0.36% | 0.33% | 0.60% | 0.89% | 0.67% | 0.95% | +61 bps | |
| Net Charge-Offs / Loans | 0.13% | -0.11% | -0.02% | -0.88% | 0.12% | 0.24% | 0.65% | 1.24% | +212 bps | |
| Allowance / Loans | 1.74% | 1.73% | 1.76% | 1.99% | 1.99% | 1.86% | 1.73% | 1.59% | -40 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.5x | 4.9x | 6.0x | 3.3x | 2.1x | 2.6x | 1.7x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.46% | 8.63% | 8.85% | 9.15% | 9.47% | 8.31% | 8.44% | 8.57% | -58 bps | |
| Total Risk-Based Capital | 13.86% | 12.49% | 12.85% | 13.28% | 13.89% | 12.15% | 12.79% | 13.09% | -19 bps | |
| Equity / Assets | 9.64% | 8.46% | 8.85% | 9.24% | 9.62% | 8.09% | 8.62% | 8.81% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.48% | 89.55% | 90.82% | 90.77% | 90.08% | 85.38% | 87.03% | 86.08% | -469 bps | |
| Liquid Assets / Assets | 4.84% | 6.69% | 4.80% | 6.09% | 6.42% | 7.86% | 8.69% | 5.46% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.36% | 193.64% | 192.75% | n/a | n/a | |