BlastPoint's Banking Scorecard
Community First Banking Company
West Plains, 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 +1.3% year over year ($262.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.44%.
- Efficiency ratio 57.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community First Banking Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + ROA 0.12% above tier average
- + Efficiency Ratio 7.02% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26.6% in tier
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$307.3M
+2.1% YoY
-1.0% QoQ
|
-$79.2M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$234.7M
+8.5% YoY
+4.7% QoQ
|
-$23.7M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$262.2M
+1.3% YoY
-1.3% QoQ
|
-$64.5M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.44%
+7.8% YoY
-2.5% QoQ
|
+0.12% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.76%
+12.7% YoY
+3.5% QoQ
|
-0.23% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
57.46%
-8.9% YoY
-2.1% QoQ
|
-7.02% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.48%
+7.1% YoY
+6.1% QoQ
|
+11.53% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
19.62%
+1.9% YoY
+0.5% QoQ
|
-2.41% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.52%
-8.4% YoY
+1.0% QoQ
|
-0.14% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
10.31%
+1.1% YoY
+0.7% QoQ
|
-5.60% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.3% in tier |
| Non-Interest Income / Assets ? |
0.32%
+9.9% YoY
+93.5% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
19.6%
+0.4pp YoY +0.1pp QoQ |
-2.5pp | 22.1% | 20.9% | 22.2% | 43% |
| Brokered Deposits |
1.1%
0.0pp YoY 0.0pp QoQ |
-6.7pp | 7.9% | 7.4% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.0%
+1.4pp YoY +1.2pp QoQ |
+1.4pp | 11.6% | 12.3% | 12.5% | 68% |
| CRE | 15.1% | -24.5pp | 39.5% | 36.8% | 41.4% | 11% |
| 1-4 Family |
49.5%
+1.7pp YoY +0.4pp QoQ |
+16.9pp | 32.6% | 31.9% | 31.3% | 82% |
| Consumer |
2.0%
-0.7pp YoY 0.0pp QoQ |
-2.1pp | 4.1% | 4.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
10.3%
+0.1pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 11.6% | 12.6% | 38% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
0 YoY -1 (-2.5%) QoQ |
-20 | 58 | 162 | 482 | 40% |
| Assets per Employee ($) |
$7.9M
+2.1% YoY +1.5% QoQ |
+$362K | $7.5M | $8.0M | $8.8M | 66% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.7%
-0.1pp YoY -0.5pp QoQ |
+3.5pp | 12.2% | 14.3% | 11.6% | 72% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 69% |
| Net Income ($, YTD) |
$2.2M
+12.7% YoY — QoQ |
-$348K | $2.6M | $11.3M | $40.4M | 56% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.