BlastPoint's Banking Scorecard
Community First Bank
Butler, MO
4 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +4.5% year over year ($234.6M on the books).
- Delinquency rate 0.96%.
- Return on assets 2.35%.
- Efficiency ratio 46.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community First Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.03% above tier average
- + Net Interest Margin 0.83% above tier average
- + Efficiency Ratio 17.56% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$258.9M
+4.1% YoY
-0.0% QoQ
|
-$127.7M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$198.8M
-0.5% YoY
-1.3% QoQ
|
-$59.6M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$234.6M
+4.5% YoY
-0.3% QoQ
|
-$92.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
2.35%
-5.8% YoY
-7.8% QoQ
|
+1.03% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 6.4% in tier |
| Net Interest Margin ? |
4.82%
+3.0% YoY
+0.5% QoQ
|
+0.83% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 11.5% in tier |
| Efficiency Ratio ? |
46.92%
+1.1% YoY
-0.7% QoQ
|
-17.56% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 11.5% in tier |
| Delinquency Rate ? |
0.96%
+182.9% YoY
+42.4% QoQ
|
+0.05% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
84.70%
-4.8% YoY
-1.0% QoQ
|
+6.75% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.78%
+9.9% YoY
+4.2% QoQ
|
-0.25% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.74%
+170.5% YoY
+40.6% QoQ
|
+0.07% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.83%
-1.5% YoY
+2.6% QoQ
|
-4.07% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.15%
-14.5% YoY
+112.6% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.8%
+2.0pp YoY +0.9pp QoQ |
-0.4pp | 22.1% | 20.9% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.7%
+1.5pp YoY +0.3pp QoQ |
+7.1pp | 11.6% | 12.3% | 12.5% | 86% |
| CRE |
20.8%
+0.1pp YoY -0.2pp QoQ |
-18.8pp | 39.5% | 36.8% | 41.4% | 19% |
| 1-4 Family |
26.0%
+1.0pp YoY +0.3pp QoQ |
-6.6pp | 32.6% | 31.9% | 31.3% | 43% |
| Consumer |
5.3%
0.0pp YoY 0.0pp QoQ |
+1.2pp | 4.1% | 4.1% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
-0.2pp YoY +0.3pp QoQ |
-7.0pp | 18.8% | 18.5% | 19.7% | 15% |
| Leverage Ratio |
8.6%
-0.6pp YoY +0.1pp QoQ |
-3.6pp | 12.2% | 11.6% | 12.6% | 7% |
| Total Capital Ratio |
13.1%
-0.2pp YoY +0.3pp QoQ |
-6.8pp | 19.9% | 19.6% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
-3 (-7.0%) YoY -1 (-2.4%) QoQ |
-19 | 58 | 162 | 482 | 41% |
| Assets per Employee ($) |
$6.5M
+11.9% YoY +2.5% QoQ |
-$1.0M | $7.5M | $8.0M | $8.8M | 42% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 44% |
| Nonaccrual |
0.9%
+0.7pp YoY +0.3pp QoQ |
0.0pp | 0.9% | 0.8% | 1.0% | 69% |
| Allowance Coverage |
1.68x
-71.9% YoY -35.4% QoQ |
-22.47x | 24.15x | 10.47x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.9%
+1.4pp YoY +0.3pp QoQ |
+0.8pp | 0.1% | 0.3% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
27.6%
-0.6pp YoY -2.9pp QoQ |
+15.4pp | 12.2% | 14.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$3.1M
-1.3% YoY — QoQ |
+$519K | $2.6M | $11.3M | $40.4M | 71% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.