BlastPoint's Banking Scorecard

COMMUNITY FIRST BANK

$100M-$1B Specialty: Commercial MN FDIC cert 5197

Menahga, MN

2 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

COMMUNITY FIRST BANK shows strong momentum with 4 strengths and 5.3% YoY asset growth

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

+ Revenue Diversifier: Top 39.9% in tier
+ Profitability Leader: Top 41.3% in tier
+ Efficiency Ratio 12.60% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when COMMUNITY FIRST BANK releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$126.4M +5.3% YoY +0.9% QoQ	-$259.7M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 7.9% in tier
Total Loans ?	$64.7M -0.6% YoY -3.8% QoQ	-$191.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 5.9% in tier
Total Deposits ?	$108.6M +5.6% YoY +0.6% QoQ	-$219.4M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 8.2% in tier
Return on Assets ?	2.00% +20.4% YoY +32.2% QoQ	+0.73%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 12.5% in tier
Net Interest Margin ?	3.89% +16.9% YoY +6.4% QoQ	-0.04%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	52.68% -8.8% YoY -12.4% QoQ	-12.60%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.18% -86.7% YoY -80.0% QoQ	-0.70%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	59.57% -5.8% YoY -4.4% QoQ	-17.07%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	17.78% -6.6% YoY -2.9% QoQ	-4.24%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.53% -28.6% YoY +8.3% QoQ	-0.11%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.79% +2.0% YoY +5.8% QoQ	-3.04%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.19% -12.2% YoY -70.8% QoQ	-0.09%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Revenue Diversifier

growth

#267 of 666 • Top 39.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#276 of 666 • Top 41.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

335

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.27%

#335 of 2664 Top 12.5% in $100M-$1B

409

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#409 of 2664 Top 15.3% in $100M-$1B

475

Loan-to-Deposit Ratio

liquidity

Value: 59.57%

Peer Median: 76.64%

#475 of 2664 Top 17.8% in $100M-$1B

562

Efficiency Ratio

profitability

Value: 52.68%

Peer Median: 65.29%

#562 of 2664 Top 21.1% in $100M-$1B

Top Weaknesses (3 metrics)

2508

Total Loans

size

Value: $64.70M

Peer Median: $255.72M

#2508 of 2664 Bottom 5.9% in $100M-$1B

2455

Total Assets

size

Value: $126.42M

Peer Median: $386.08M

#2455 of 2664 Bottom 7.9% in $100M-$1B

2447

Total Deposits

size

Value: $108.61M

Peer Median: $327.97M

#2447 of 2664 Bottom 8.2% in $100M-$1B