# COMMUNITY FIRST BANK
KANSAS CITY, KS · FDIC certificate 12426 · asset band $300M-1B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $348.3M | |
| Deposits | $288.3M | |
| Loans and leases | $293.9M | |
| Total equity | $44.1M | |
| Loans / deposits | 100.88% (p90 of band) | 80.39% |
| Liquid assets / assets | 10.41% (p5 of band) | |
| Uninsured deposits / deposits | 43.78% (p92 of band) | 24.77% |
| Brokered deposits | 7.86% | |
| Wholesale funding | 11.59% (p73 of band) | |
| FHLB advances / assets | 3.73% | |
| Tier 1 leverage | 10.41% (p52 of band) | 10.32% |
| Unrealized securities loss / equity | -0.03% (p98 of band) | -17.90% |
| AOCI / equity | 0.01% (p82 of band) | |
| ROA (annualized) | 1.24% (p71 of band) | 0.89% |
| Net interest margin | 3.71% (p70 of band) | 3.32% |
| Efficiency ratio | 55.12% (p19 of band) | |
| Noncurrent loans | 0.07% (p27 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 1440.19% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 66.13% (p62 of band) | |
| Auto loans | $1.2M (0.40% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 4 | losing money, charge-offs p90 |  |
| 2012-03 | 1 |  | capital falling, losing money, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | loans exceed deposits |  |
| 2013-03 | 2 |  | loans exceed deposits |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 | liquid assets <10% | capital falling |
| 2014-03 | 1 | construction >100% equity | liquid assets <10% |
| 2014-06 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2014-09 | 2 |  | construction >100% equity, capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 | construction >100% equity | capital falling |
| 2016-06 | 2 |  | construction >100% equity |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | wholesale funding >15%, construction >100% equity |  |
| 2017-09 | 4 | capital falling | construction >100% equity |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | wholesale funding >15% |
| 2018-06 | 3 | wholesale funding >15% | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 3 |  | wholesale funding >15% |
| 2019-06 | 3 | wholesale funding >15% | capital falling |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 3 | wholesale funding >15% |  |
| 2020-03 | 2 |  | wholesale funding >15% |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | capital falling | liquid assets <10% |
| 2020-12 | 1 |  | loans exceed deposits |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | loans exceed deposits |  |
| 2022-03 | 0 |  | loans exceed deposits |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 0 |  | loans exceed deposits |
| 2023-03 | 2 | liquid assets <10%, capital falling |  |
| 2023-06 | 1 |  | liquid assets <10% |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | loans exceed deposits |  |

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

- 2026-01-22 [Banking on community: First Bank sells headquarters to Town of Southern Pines, remains committed to Moore County and invested in its growth - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiogJBVV95cUxORjNETTFsel9LTzRGRXVySXJxcXZEU2M3ZU5yTWoxLXhfU3N6alVkbC10cjIzZ2ZTZHRvVjhfNnhMTWdheEhvSFFqQWE1NU54VVlFQkpOcHFRZlBmSkJsam54NjNic250V1BkVG1iR2Z2SEdhMGdabzdFTTEtNWFRTFVFYkR2RXJnWHNBNnRqVGE5bjZ4RkNjdTdzZGZ0ZXQ2STdoTmVuRXE1aHloenhfZV84UnRtZGRnR25DbVRGNzZNQUlrZkpmTnBsV1V1YlNQSFZNT3ZEVmw2XzZ3S1RqTlRNeVdKakdiQjMtOTYwZ1dpVG9zSHpXWkEyc21kTFlTaG9HcU1KeWFyZWx6ZUg1dVV5Q1l6R25BQTV5ald0TlYwUQ?oc=5) · Greater Fayetteville Business Journal
- 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
- 2024-02-01 [Raleigh bank swells to $2 billion in assets with deal for SC institution - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeE1teWlQV2EwS3F2SHQ4cHRpa0JfN05sRjhRb2Nwc0VaUWpIbUJJa29ickY2NmlyMVBwcW1keUlfa19KWW80bE42bHBVRGNPU3gyWXkyOFBiM0plV242RDRpRUJsQlNLa1ZXVmNpUzFCT2ZFVm9CMnhPUmxieUZmR0twQzVtYi1rOUJKRmxoaS1KUzVNRmlEUDZsajJYYkRJaU5uYQ?oc=5) · The Business Journals
- 2020-11-23 [OakStar to acquire KC banking company - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE5RZ25zSklPRV9mU1g5dXMtYWo4X041bVkwQ1BCOUNrYnpYU2tpZ1ZmOGxiSXlOWkdYWUluczI1WlFRdDAyZkdCS3BTdU9EZlc3V2E2VWtYTW1TalAxRFFTV1AxSmJBOUdkSElvblJIOWFDZk5EZkE?oc=5) · Springfield Business Journal
- 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
- 2024-08-02 [Dogwood State Bank reports higher Second Quarter 2024 earnings; Community First acquisition complete as of Aug. 1 - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQN1F2WS1zZ2NCV3hsUnZDZWU5aXdlbjBBQWx1aHIyd3o5WU5Fc2ZzaXdMdVNCcUdyRGF5RWx1LVQzMEw1b2phTUZlYlZyaG1VaWl6TGs1TGFKOVVpYjFVRmVxRUVwMDliRHZuWmtWeDhkc0dVOV9MOTFJOHBLdGZrUVNpWFIzdVhKLVRpOFRMOGJFeEsyR0JCRFUyNnBBUU9pT08tN2dwRTJNVWdDQ0lwbVdGT1hDUzR2LWtTVHFpRXdhN1hRSVVZbVQ2dHBrcjBJQWZ4cnNzRXZXTThsY1JLVXRBUnJpSHl2UHdCRWRBc1ZrSE14TDBKQkV2bTROQQ?oc=5) · Greater Fayetteville Business Journal
- 2023-04-25 [Surrey Bank and Trust acquired by West Virginia's First Community Bank in $113 million deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNSEwwb3REb245MW5ZZGlpRW8yWG9KMkV0RjRIRlVPS3hVWDJKTU9uYUdMV3V5RDM3TmVoNUlFMUE0YUkzd3hoOExFZ1hHVW5wRm12QU4zbHJYOW53dWs0MGtQcmxnX0t3enRndzRJYVRnZ1FsbFNlNHVUU25qc3Z6bDVKUWhMbmRfc2gzQzlDQ1BoV2xXY3N2U2ZyV1RWcXRLWlBlSjdZQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12426 (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/10.json (key "12426", 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