Community First Bank
New Iberia, LA · Cert 35020 · Peer group: banks under $1B in assets (n=573-620) · Community First Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$781.6MAssets
$539.2MLoans
$706.8MDeposits
$71.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 84 of 620).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 514 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.44%
Rank 159 of 620
Net Interest Margin
4.10%
Rank 134 of 620
Efficiency Ratio
58.30%
Rank 154 of 620
Equity / Assets
9.14%
Rank 454 of 620
Non-interest income vs. expense
Unfavorable gap of $17.7M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.60% | 1.00% | 1.45% | Beats 74% | 159 / 620 | |
| Return on Equity | 15.71% | 5.30% | 9.30% | 13.29% | Beats 86% | 84 / 620 | |
| Net Interest Margin | 4.10% | 3.02% | 3.53% | 4.04% | Beats 78% | 134 / 620 | |
| Efficiency Ratio | 58.30% | 58.35% | 68.08% | 79.37% | Beats 75% | 154 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.47% | 1.27% | Beats 47% | 304 / 573 | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 10% | 514 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 14.18% | 11.27% | 13.87% | 18.78% | Beats 53% | 293 / 620 | |
| Total Risk-Based Capital Ratio | 15.43% | 11.69% | 14.57% | 19.67% | Beats 57% | 268 / 620 | |
| Equity / Assets | 9.14% | 9.03% | 10.60% | 13.73% | Beats 27% | 454 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 76.28% | 65.08% | 79.69% | 92.47% | 44th pctl | 327 / 585 | |
| Loans / Assets | 68.98% | 51.85% | 67.17% | 77.86% | 54th pctl | 284 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |