BlastPoint's Banking Scorecard

Community First Bank, National Association

under $100M Specialty: Agricultural OH FDIC cert 6584

Designations: ✓ Community bank

Forest, OH

3 branches across OH

541 banks in the under $100M peer group nationally 23 in OH

Community First Bank, National Association 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 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 2.43% below tier average

Key Concerns

Areas that may need attention

- ROA 0.43% below tier average
- Net Interest Margin 0.28% below tier average

Get updates when Community First Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$58.4M +0.5% YoY +5.3% QoQ	-$3.7M	$62.2M -0.6% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$32.3M +7.8% YoY +2.5% QoQ	-$1.9M	$34.2M -1.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$53.2M -0.4% YoY +5.7% QoQ	+$1.5M	$51.7M -0.7% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	0.41% +162.5% YoY +49.3% QoQ	-0.43%	0.84% -2.3% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.58% +17.2% YoY +8.5% QoQ	-0.28%	3.86% +2.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	85.91% -8.7% YoY -4.4% QoQ	-2.43%	88.34% +0.3% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.71% +8.2% YoY -3.1% QoQ	-3.50%	64.22% -0.7% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	27.60% +4.5% YoY -0.6% QoQ	+3.89%	23.71% +0.3% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.42% -1.0% YoY -0.4% QoQ	-7.27%	26.68% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.05% +10.2% YoY -72.7% QoQ	-0.61%	0.67% +1.9% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	45%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available