BlastPoint's Banking Scorecard
Community First Bank
Micro
Specialty: Agricultural
MO
FDIC cert 10595
Designations: ✓ Community bank
Butler, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community First Bank shows strong momentum with 2 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.51% above tier
- + Efficiency Ratio 22.03% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$266.8M
+6.5% YoY
+7.2% QoQ
|
+$49.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$204.5M
+1.8% YoY
+3.5% QoQ
|
+$65.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$244.0M
+7.0% YoY
+9.1% QoQ
|
+$60.4M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.59%
+7.0% YoY
+0.9% QoQ
|
+1.51% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.73%
+6.8% YoY
-0.3% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
45.70%
-0.8% YoY
-0.8% QoQ
|
-22.03% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.91%
+83.0% YoY
+48.4% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
83.79%
-4.8% YoY
-5.1% QoQ
|
+9.26% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.04%
+2.3% YoY
+0.3% QoQ
|
-2.36% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.69%
+75.1% YoY
+43.4% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
10.89%
-3.1% YoY
-13.7% QoQ
|
+2.04% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.34%
-13.5% YoY
+26.0% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.70%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.70% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
75
75th pctile
Total Loans
Current: $204.5M · Tier avg: $139.2M
69
69th pctile
Total Deposits
Current: $244.0M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 10.89% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 22.39%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 74.53%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
Top Weaknesses
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 74.53%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 22.39%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.89% · Tier avg: 8.85%
65
65th pctile
Total Assets
Current: $266.8M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $244.0M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $204.5M · Tier avg: $139.2M
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 45.70% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%