# COMMUNITY FIRST BANK
BUTLER, MO · FDIC certificate 10595 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $258.9M | |
| Deposits | $234.6M | |
| Loans and leases | $202.0M | |
| Total equity | $22.8M | |
| Loans / deposits | 84.70% (p70 of band) | 73.59% |
| Liquid assets / assets | 19.97% (p22 of band) | |
| Uninsured deposits / deposits | 16.57% (p37 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.57% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -2.57% (p67 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 2.35% (p92 of band) | 1.17% |
| Net interest margin | 4.82% (p86 of band) | 3.93% |
| Efficiency ratio | 46.92% (p9 of band) | |
| Noncurrent loans | 0.95% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | 0.73% (p98 of band) | |
| Reserve coverage of noncurrent | 167.87% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 19.59% (p53 of band) | |
| Auto loans | $3.6M (1.76% of loans; DQ 4.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 0 |  | reserve under noncurrent, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 0 |  | charge-offs p90, capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | assets shrinking, charge-offs p90 |
| 2024-03 | 1 | capital falling | deposits shrinking |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-10-30 [Suspect robs Community First Bank after attempting to rob Bank of America Monday in Kansas City, Kansas - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMizwFBVV95cUxPM2ZidE51Zk9LYkJBUVQ1bGVpWmd2aEV2aU9WaXFZQTNvbHRsaFIteXlZb1p0bGViOXZZRnBQZGdjRnZiejVKVWl2Yk1iWUQ0RUpaQUZhd2tiMFYybkFCcWZmTUtha2tkM1ZzWGlqU3hac0dZVDAwX0pWLTJIYnU2QXNxOTdROEt4aG5FYnMtX0FrQWs4OVdQQ29FQjBELVIyM1FXb3RBdHNyZEdlU0lrMnBVSG56U0hHanI0SGpMS1ZoWU81RVc2bjMxVnJCNEk?oc=5) · KSHB 41 Kansas City
- 2023-02-09 [COMMUNITY FIRST BANK WELCOMES CRAIG JOHNSON - El Dorado Springs Sun](https://news.google.com/rss/articles/CBMijAFBVV95cUxPU0xzRndTVDFaZkVEeXhpRGlTT2d4UnJXM1JTOXZDUXBfTG13N3BzbUMxOXI1bm45T21PVG1HX3BVV1huZm9WN0RxNUd5cDRUNVlaTG9PZFJFLTlST2N5RlZRcFZqVVhDd04zTG5uUGstSXVueWtkUWFWcHJRN1B5b2dGdy1vNWFVd2VCYQ?oc=5) · El Dorado Springs Sun
- 2026-09-09 [Former Missouri bank VP pleads guilty in multi-million dollar cattle-buying scheme - kansascity.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFBsWFlQQ0loODZvMTNQaFM5eWdid3h3N2xXVmU1emc3NGFEdjlVZF9iSkxra3JIcmNubm9MN0hhdFFYV20xLUlOUS1iY2k1MG1KWFdyY1NUZEt4Uko1LVY1S0RMdGZnMzFpZDA5dXZBc1QtWUXSAXNBVV95cUxORmstOXVVb0RrVjVVVURxVW1aZko4S3FzcXd3MFdJcmkyYkI1M3ZkUTBIZDJGa3RNZzRjS1ZKMnBCb1ZBYVRBTk9rQzViWFdteFl5cWxMdlpKSFZoM29EMzJxd0hicGlJRWJQUDBDWmQ2U19Z?oc=5) · kansascity.com
- 2021-01-04 [Lead Bank sells Garden City branch, will move headquarters to Kansas City - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQX3RDNFhVTmwxNWkzOTZPdW5SR19uLWhmMGNvX1lybVhBWlNSbkQ3a1BhbHFBeU52TFBuWW1keXZFc09mR21fbjNreHV5TE93Nk1vR25jWkpUeXBubGt5djBHVUVDemxmWWQ5QmNaWnpZSmw2SXlidHI5RUNBMnpWZmhzdVlJTV9ZVXB1UjBwcHVnSWxMX3pBX3B3Nm9lWGxJSlJCaHB2SGRMSjEtVXc?oc=5) · The Business Journals
- 2016-08-29 [Boyer joins Community First Bank - West Plains Daily Quill](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTkoxeTUzSGRrRkRvTUV1bDZvX2lKS2tmeEhFVGtnREdYeWlCZGhScEcyc3YzU0tYZl9lNUdvSWxvQlVPenVzWUhsM3FoT2E3ZG9wNXZUdEU5NnJJSmpkYV94dDM4V1pZb01meE5WdFFQbkV5YzU4V0tyYTdaOUlQa1daOW0xMDFFNXY0?oc=5) · West Plains Daily Quill
- 2022-07-29 [Newt Brill Retires from Community First Banking Company Board of Directors, New Directors Named - ozarkradionews.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQS3lRNE9iU25aWnduQlIwWXhIR2YxMzFpSjlNNzFVZ0xXblgyV0QtRlhaaC14UVFVUlMxX3phSXVHTW0zMUFxblNDTFN5UEhfYVF0T2dxcmlydGJlYzJOQzdLMmM1TV9hZTB0TVVQRUZwaEhkRkdaamVqRE1pUkc2REFFcUxSQ0lHN3BVX1d0V1RkZ3IwMzQwUTJBQ3pockJwQUF6bWR4QXMyeExETkFhYWxCb3ZvMEVpeG84TTZSZUxQRUFoQmZOTEhXVGc?oc=5) · ozarkradionews.com
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10595 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "10595", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide