BlastPoint's Banking Scorecard
Community First Bank, National Association
Designations: ✓ Community bank
Forest, OH
3 branches across OH
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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -2.3% year over year ($51.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.50%.
- Efficiency ratio 83.19% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.14% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community First Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 36.20% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.3M
-1.7% YoY
-3.6% QoQ
|
-$6.1M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$34.3M
+12.2% YoY
+6.1% QoQ
|
-$597K |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$51.1M
-2.3% YoY
-4.0% QoQ
|
-$544K |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
0.50%
+119.1% YoY
+22.9% QoQ
|
-0.50% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.72%
+18.6% YoY
+4.1% QoQ
|
-0.19% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
83.19%
-8.9% YoY
-3.2% QoQ
|
-36.20% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.14%
+14.9% YoY
+10.6% QoQ
|
-7.07% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
27.99%
+6.7% YoY
+1.4% QoQ
|
+4.50% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.46%
+0.4% YoY
+0.2% QoQ
|
-7.66% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.11%
+9.0% YoY
+100.7% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
43% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.0%
+1.7pp YoY +0.4pp QoQ |
+3.4pp | 24.6% | 18.8% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
-1.9pp YoY -0.5pp QoQ |
-6.7pp | 13.4% | 10.2% | 12.5% | 32% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
59.5%
+8.7pp YoY +4.0pp QoQ |
+24.5pp | 35.0% | 50.0% | 31.3% | 80% |
| Consumer |
4.9%
+0.2pp YoY -0.3pp QoQ |
-2.8pp | 7.7% | 4.7% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.5%
+0.1pp YoY 0.0pp QoQ |
-19.2pp | 38.7% | 22.1% | 19.7% | 43% |
| Leverage Ratio |
9.4%
+0.3pp YoY -0.1pp QoQ |
-8.3pp | 17.7% | 12.9% | 12.6% | 12% |
| Total Capital Ratio |
20.1%
+0.1pp YoY 0.0pp QoQ |
-19.6pp | 39.7% | 23.2% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
-1 (-7.1%) YoY 0 QoQ |
+1 | 12 | 2,433 | 482 | 62% |
| Assets per Employee ($) |
$4.3M
+5.9% YoY -3.6% QoQ |
-$1.9M | $6.2M | $7.6M | $8.8M | 26% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 81 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.6%
+2.8pp YoY +1.0pp QoQ |
-0.8pp | 6.4% | 9.7% | 11.6% | 36% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$142,000
+118.5% YoY — QoQ |
-$176K | $317,817 | $259.3M | $40.4M | 28% |
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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.