Community First National Bank
Manhattan, KS · Cert 35585 · Peer group: banks under $1B in assets (n=581-629) · Ttac Corp.
National charter · OCC · 2 branches
Q2 2026
$374.7MAssets
$292.8MLoans
$326.7MDeposits
$40.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets (rank 70 of 629).
- Widest gap: tier 1 capital ratio trails 55% of banks under $1B in assets (rank 348 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.85%
Rank 89 of 629
Net Interest Margin
3.80%
Rank 228 of 629
Efficiency Ratio
63.04%
Rank 229 of 629
Equity / Assets
10.85%
Rank 301 of 629
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 64% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.85% | 0.60% | 1.01% | 1.45% | Beats 86% | 89 / 629 | |
| Return on Equity | 17.03% | 5.38% | 9.30% | 13.28% | Beats 89% | 70 / 629 | |
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 64% | 228 / 629 | |
| Efficiency Ratio | 63.04% | 58.35% | 67.79% | 79.08% | Beats 64% | 229 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.46% | 1.20% | Beats 65% | 202 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 59% | 240 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 11.24% | 13.84% | 18.77% | Beats 45% | 348 / 629 | |
| Total Risk-Based Capital Ratio | 14.34% | 11.58% | 14.43% | 19.66% | Beats 49% | 319 / 629 | |
| Equity / Assets | 10.85% | 9.09% | 10.65% | 13.80% | Beats 52% | 301 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 89.62% | 67.24% | 80.90% | 93.48% | 68th pctl | 191 / 594 | |
| Loans / Assets | 78.15% | 53.31% | 67.71% | 78.15% | 75th pctl | 159 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |