Community First Bank
New Iberia, LA · Cert 35020 · Peer group: banks under $1B in assets (n=581-629) · 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 85 of 629).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 521 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.44%
Rank 163 of 629
Net Interest Margin
4.10%
Rank 143 of 629
Efficiency Ratio
58.30%
Rank 156 of 629
Equity / Assets
9.14%
Rank 467 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.60% | 1.01% | 1.45% | Beats 74% | 163 / 629 | | |
| Return on Equity | 15.71% | 5.38% | 9.30% | 13.28% | Beats 86% | 85 / 629 | | |
| Net Interest Margin | 4.10% | 3.03% | 3.54% | 4.05% | Beats 77% | 143 / 629 | | |
| Efficiency Ratio | 58.30% | 58.35% | 67.79% | 79.08% | Beats 75% | 156 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 313 / 581 | | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 10% | 521 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.18% | 11.24% | 13.84% | 18.77% | Beats 53% | 295 / 629 | | |
| Total Risk-Based Capital Ratio | 15.43% | 11.58% | 14.43% | 19.66% | Beats 57% | 268 / 629 | | |
| Equity / Assets | 9.14% | 9.09% | 10.65% | 13.80% | Beats 26% | 467 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.28% | 67.24% | 80.90% | 93.48% | 42nd pctl | 342 / 594 | | |
| Loans / Assets | 68.98% | 53.31% | 67.71% | 78.15% | 53rd pctl | 296 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |