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Community First Banking Company

$100M-$1B Specialty: Other MO FDIC cert 34610

West Plains, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

Community First Banking Company has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.89% below tier average
  • + ROA 0.21% above tier average
  • + Efficiency Ratio 6.57% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 48.5% in tier
  • - Net Interest Margin 0.30% below tier average
Get updates when Community First Banking Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $310.4M
+5.8% YoY +2.4% QoQ
-$75.6M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
48%
Total Loans ? $224.1M
+5.9% YoY -0.7% QoQ
-$31.6M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $265.7M
+5.5% YoY +3.1% QoQ
-$62.2M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
48%
Return on Assets ? 1.47%
+11.6% YoY +0.5% QoQ
+0.21% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
66%
Net Interest Margin ? 3.63%
+11.7% YoY +4.9% QoQ
-0.30% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
37%
Efficiency Ratio ? 58.72%
-7.7% YoY -2.3% QoQ
-6.57% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
64%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.89% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 84.33%
+0.4% YoY -3.7% QoQ
+7.69% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
36%
Non-Interest-Bearing Deposit Share ? 19.53%
+1.2% YoY +7.1% QoQ
-2.49% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
43%
Nonperforming Asset Ratio ? 0.52%
-6.6% YoY -2.3% QoQ
-0.12% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
37%
Tier 1 Capital Ratio ? 10.24%
+0.5% YoY -3.8% QoQ
-5.59% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
Bottom 12.7% in tier
Non-Interest Income / Assets ? 0.16%
+11.7% YoY -72.6% QoQ
-0.12% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
78%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#324 of 666 • Bottom 48.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.24%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
582
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#582 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (1 metrics)

2328
Tier 1 Capital Ratio
capital
Value: 10.24%
Peer Median: 15.83%
#2328 of 2664 Bottom 12.7% in $100M-$1B
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