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
Unfavorable gap of $11.0M · efficiency ratio beats 38% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.51% | 0.91% | 1.43% | Beats 52% | 278 / 576 | |
| Return on Equity | 13.18% | 4.85% | 8.92% | 13.13% | Beats 75% | 142 / 575 | |
| Net Interest Margin | 3.06% | 2.85% | 3.33% | 3.90% | Beats 35% | 371 / 575 | |
| Efficiency Ratio | 75.06% | 58.61% | 70.08% | 82.08% | Beats 38% | 355 / 575 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.34% | 0.93% | Beats 75% | 136 / 528 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 394 / 528 | |
| Capital |
| Tier 1 Capital Ratio | 15.67% | 11.22% | 13.91% | 18.96% | Beats 62% | 220 / 575 | |
| Total Risk-Based Capital Ratio | 16.69% | 11.76% | 14.45% | 19.92% | Beats 64% | 209 / 575 | |
| Equity / Assets | 7.14% | 8.53% | 10.12% | 12.97% | Beats 10% | 519 / 575 | |
| Liquidity & Funding |
| Loans / Deposits | 57.55% | 64.54% | 78.36% | 91.99% | 17th pctl | 444 / 538 | |
| Loans / Assets | 53.30% | 55.85% | 68.40% | 77.98% | 21st pctl | 417 / 528 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |