Community First Bank
Walhalla, SC · Cert 32838 · Peer group: banks under $1B in assets operating regionally (n=104-105)
FDIC · 12 branches
Q2 2024
$679.8MAssets
$505.2MLoans
$574.7MDeposits
$62.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets operating regionally (rank 24 of 105).
- Widest gap: efficiency ratio trails 75% of banks under $1B in assets operating regionally (rank 80 of 105).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.67%
Rank 60 of 105
Net Interest Margin
2.93%
Rank 76 of 104
Efficiency Ratio
80.51%
Rank 80 of 105
Equity / Assets
9.26%
Rank 49 of 105
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 25% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.48% | 0.77% | 1.09% | Beats 43% | 60 / 105 | |
| Return on Equity | 7.28% | 5.36% | 8.82% | 11.64% | Beats 34% | 69 / 105 | |
| Net Interest Margin | 2.93% | 2.92% | 3.37% | 3.78% | Beats 27% | 76 / 104 | |
| Efficiency Ratio | 80.51% | 62.51% | 70.97% | 80.37% | Beats 25% | 80 / 105 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.11% | 0.35% | 0.90% | Beats 78% | 24 / 105 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.04% | Beats 59% | 44 / 105 | |
| Capital |
| Tier 1 Capital Ratio | 10.59% | 10.07% | 11.65% | 13.82% | Beats 30% | 73 / 105 | |
| Total Risk-Based Capital Ratio | 10.59% | 10.29% | 12.23% | 14.84% | Beats 28% | 76 / 105 | |
| Equity / Assets | 9.26% | 7.81% | 9.13% | 10.85% | Beats 53% | 49 / 105 | |
| Liquidity & Funding |
| Loans / Deposits | 87.92% | 76.72% | 84.74% | 93.36% | 62nd pctl | 40 / 105 | |
| Loans / Assets | 74.31% | 66.82% | 71.77% | 79.22% | 57th pctl | 45 / 105 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |