BlastPoint's Banking Scorecard
Community First Banking Company
Micro
Specialty: Other
MO
FDIC cert 34610
Designations: ✓ Community bank
West Plains, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community First Banking Company shows strong momentum with 1 strength and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% 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 ? |
$303.2M
+5.7% YoY
+0.5% QoQ
|
+$85.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$225.7M
+8.6% YoY
+3.3% QoQ
|
+$86.6M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$257.8M
+5.1% YoY
+0.2% QoQ
|
+$74.2M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.47%
+28.9% YoY
+5.7% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.46%
+8.2% YoY
+2.0% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
60.09%
-9.2% YoY
-2.9% QoQ
|
-7.64% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.55%
+3.4% YoY
+3.1% QoQ
|
+13.03% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.24%
-2.2% YoY
-0.3% QoQ
|
-4.16% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.53%
-1.6% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.60%
+3.4% YoY
+36.4% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
73
73th pctile
Total Deposits
Current: $257.8M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $303.2M · Tier avg: $217.5M
67
67th pctile
Efficiency Ratio
Current: 60.09% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.24% · Tier avg: 22.39%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.55% · Tier avg: 74.53%
Top Weaknesses
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.55% · Tier avg: 74.53%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.24% · Tier avg: 22.39%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Efficiency Ratio
Current: 60.09% · Tier avg: 67.73%
73
73th pctile
Total Assets
Current: $303.2M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $257.8M · Tier avg: $183.7M
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%