BlastPoint's Banking Scorecard
COMMUNITY FIRST BANK
Menahga, MN
2 branches across MN
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 151 in MN.
- Deposits +2.1% year over year ($108.4M on the books).
- Delinquency rate 0.29%.
- Return on assets 1.84%.
- Efficiency ratio 56.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.46% 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
- + ROA 0.52% above tier average
- + Efficiency Ratio 8.44% below tier average
- + Delinquency Rate 0.63% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$126.5M
+1.9% YoY
+0.1% QoQ
|
-$260.1M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.5% in tier |
| Total Loans ? |
$65.6M
-1.4% YoY
+1.3% QoQ
|
-$192.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$108.4M
+2.1% YoY
-0.2% QoQ
|
-$218.3M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.1% in tier |
| Return on Assets ? |
1.84%
+16.7% YoY
-7.9% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
3.99%
+16.3% YoY
+2.6% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
56.04%
-2.8% YoY
+6.4% QoQ
|
-8.44% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
0.29%
-79.9% YoY
+57.2% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
60.46%
-3.5% YoY
+1.5% QoQ
|
-17.49% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
18.61%
-4.7% YoY
+4.7% QoQ
|
-3.42% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.15%
-80.0% YoY
-71.2% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.84%
+0.9% YoY
+0.4% QoQ
|
-3.07% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.34%
-4.5% YoY
+77.8% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
78% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.6%
-0.9pp YoY +0.8pp QoQ |
-3.5pp | 22.1% | 21.9% | 22.2% | 38% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
36.9%
+4.0pp YoY +2.1pp QoQ |
+25.3pp | 11.6% | 14.6% | 12.5% | 98% |
| CRE |
14.9%
-4.9pp YoY -1.2pp QoQ |
-24.7pp | 39.5% | 36.5% | 41.4% | 10% |
| 1-4 Family |
26.2%
+0.3pp YoY +0.1pp QoQ |
-6.5pp | 32.6% | 29.4% | 31.3% | 43% |
| Consumer |
7.3%
+0.2pp YoY -0.1pp QoQ |
+3.2pp | 4.1% | 4.5% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
12.8%
+0.1pp YoY +0.1pp QoQ |
+0.7pp | 12.2% | 11.0% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY -1 (-4.2%) QoQ |
-36 | 58 | 55 | 482 | 15% |
| Assets per Employee ($) |
$5.5M
+1.9% YoY +4.4% QoQ |
-$2.0M | $7.5M | $8.6M | $8.8M | 22% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.3% | 0.4% | 0.4% | 73% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
4.87x
+390.8% YoY -38.0% QoQ |
-19.29x | 24.15x | 20.41x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.2pp YoY +0.3pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
+1.2pp YoY -1.4pp QoQ |
+2.6pp | 12.2% | 13.1% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.2M
+21.1% YoY — QoQ |
-$1.4M | $2.6M | $4.5M | $40.4M | 32% |
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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.