BlastPoint's Banking Scorecard
Community First Bank, National Association
Micro
Specialty: Agricultural
OH
FDIC cert 6584
Designations: ✓ Community bank
Forest, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Community First Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.5M
+0.4% YoY
-4.2% QoQ
|
-$162.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$31.5M
+2.4% YoY
+3.7% QoQ
|
-$107.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$50.3M
-0.7% YoY
-4.7% QoQ
|
-$133.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.27%
+260.9% YoY
+25.7% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.30%
+21.9% YoY
+3.5% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
89.88%
-7.0% YoY
-2.1% QoQ
|
+22.16% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.64%
+3.1% YoY
+8.9% QoQ
|
-11.89% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
27.76%
+3.4% YoY
+5.9% QoQ
|
+5.37% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
19.49%
+1.8% YoY
-1.2% QoQ
|
+10.64% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.19%
-3.1% YoY
+35.8% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.88%
(Tier avg: 67.73%, National avg: 65.09%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.49% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.76% · Tier avg: 22.39%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.64% · Tier avg: 74.53%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
11
11th pctile
Total Loans
Current: $31.5M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
9
9th pctile
Efficiency Ratio
Current: 89.88% · Tier avg: 67.73%
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
Top Weaknesses
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
9
9th pctile
Efficiency Ratio
Current: 89.88% · Tier avg: 67.73%
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.5M · Tier avg: $139.2M
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.64% · Tier avg: 74.53%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.76% · Tier avg: 22.39%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.49% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%