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Community First Bank

Kennewick, WA · Cert 34627

FDIC · 5 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 (n=528 to 576). 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

45

Q2 2024Q2 2025peer median (50)

Asset Quality

51

Q2 2024Q2 2025peer median (50)

Profitability

54

Q2 2024Q2 2025peer median (50)

Liquidity

30

Q2 2024Q2 2025peer median

Efficiency

38

Q2 2024Q2 2025peer 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 2026-10-11

Community First Bank

Kennewick, WA · Cert 34627

FDIC · 5 branches

Q2 2025

$672.0MAssets
$358.2MLoans
$622.3MDeposits
$48.0MEquity
Loan mix
84%RE $222.5M13%C&I $35.7M2%Consumer $6.6MQ3 2023Q2 2025
Deposit mix
73%Interest-bearing $455.8M27%Noninterest $166.5MQ3 2023Q2 2025

Market Position · Kennewick-Richland, WA · 2025 SOD (annual) · 13.5% share · #3 of 16 inst. · $0.6B of $4.6B

13.6% Benton
13.4% Franklin

Executive Summary

  • Earnings: ROA of 1.00%, up 34 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.06% of loans (+2 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.58%, up 10 bps from a year ago.
  • Funding: loans stand at 57.55% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

1.00%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+24 bps YoY

Efficiency Ratio (YTD, annualized)

75.06%-508 bps YoY

Tier 1 Leverage Ratio

9.58%+10 bps YoY

NIM

3.67%Q2 ’234.12%Q2 ’244.37%Q2 ’25-9%+9%

Non-interest income vs. expense

3.97%Q2 ’233.87%Q2 ’243.79%Q2 ’25-9%-2%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.69%0.62%0.71%0.66%0.68%0.81%1.19%1.00%+34 bps
Return on Equity11.21%9.98%10.64%9.89%10.04%11.76%15.82%13.50%+361 bps
Net Interest Margin3.07%3.05%2.84%2.82%2.81%2.85%3.07%3.06%+24 bps
Efficiency Ratio78.18%79.61%81.66%80.14%78.85%76.99%70.73%75.06%-508 bps
Non-Interest Burden1.85%1.89%1.85%1.75%1.72%1.67%1.51%1.71%-4 bps
Growth
Asset Growth (YoY)-0.63%-0.80%-1.78%7.68%12.24%1.41%3.97%6.29%-139 bps
Loan Growth (YoY)10.22%8.82%7.97%10.42%5.55%8.21%6.53%-1.76%-1,219 bps
Deposit Growth (YoY)-0.82%-1.71%-2.30%7.56%10.86%0.67%3.03%5.78%-178 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.04%0.04%0.05%0.07%0.06%0.06%0.06%+2 bps
Net Charge-Offs / Loans0.36%0.35%0.22%0.18%0.19%0.17%0.05%0.09%-9 bps
Allowance / Loans1.08%1.14%1.05%1.05%1.10%1.06%1.04%1.05%0 bps
Allowance Coverage of NPLs82.8x25.9x25.4x22.3x15.0x16.6x16.4x16.8x-5.5x
Capital
Tier 1 Leverage Ratio9.68%9.65%9.75%9.48%9.31%9.30%9.81%9.58%+10 bps
Total Risk-Based Capital15.68%15.76%15.44%15.54%15.95%16.40%16.30%16.69%+115 bps
Equity / Assets5.96%6.49%6.77%6.62%7.21%7.29%7.78%7.14%+52 bps
Liquidity & Funding
Loans / Deposits63.33%60.56%63.67%61.97%60.30%65.09%65.84%57.55%-442 bps
Liquid Assets / Assets6.13%10.39%11.71%16.08%18.84%14.73%13.33%24.89%+881 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 2026-10-11

Community First Bank

Kennewick, WA · Cert 34627 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 5 branches

Q2 2025

$672.0MAssets
$358.2MLoans
$622.3MDeposits
$48.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 75% of banks under $1B in assets (rank 142 of 575).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 519 of 575).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.94%

Rank 278 of 576

Net Interest Margin

3.06%

Rank 371 of 575

Efficiency Ratio

75.06%

Rank 355 of 575

Equity / Assets

7.14%

Rank 519 of 575

Non-interest income vs. expense

$13.4M$24.3MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 38% of banks under $1B in assets
Bank 75.06%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.94%0.51%0.91%1.43%Beats 52%278 / 576
Return on Equity13.18%4.85%8.92%13.13%Beats 75%142 / 575
Net Interest Margin3.06%2.85%3.33%3.90%Beats 35%371 / 575
Efficiency Ratio75.06%58.61%70.08%82.08%Beats 38%355 / 575
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.34%0.93%Beats 75%136 / 528
Net Charge-Offs / Loans0.06%n/a0.01%0.06%Beats 26%394 / 528
Capital
Tier 1 Capital Ratio15.67%11.22%13.91%18.96%Beats 62%220 / 575
Total Risk-Based Capital Ratio16.69%11.76%14.45%19.92%Beats 64%209 / 575
Equity / Assets7.14%8.53%10.12%12.97%Beats 10%519 / 575
Liquidity & Funding
Loans / Deposits57.55%64.54%78.36%91.99%17th pctl444 / 538
Loans / Assets53.30%55.85%68.40%77.98%21st pctl417 / 528
Brokered Deposits / Depositsn/aNot reported for this institution