# COMMUNITY FIRST BANK
HARRISON, AR · FDIC certificate 34611 · asset band $300M-1B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $469.5M | |
| Deposits | $377.1M | |
| Loans and leases | $364.6M | |
| Total equity | $55.5M | |
| Loans / deposits | 95.22% (p77 of band) | 84.10% |
| Liquid assets / assets | 18.72% (p32 of band) | |
| Uninsured deposits / deposits | 16.09% (p32 of band) | 20.48% |
| Brokered deposits | 0.06% | |
| Wholesale funding | 7.36% (p55 of band) | |
| FHLB advances / assets | 7.27% | |
| Tier 1 leverage | 11.54% (p74 of band) | 10.18% |
| Unrealized securities loss / equity | 0.83% (p29 of band) | 2.01% |
| AOCI / equity | 0.97% (p54 of band) | |
| ROA (annualized) | 1.16% (p69 of band) | 0.94% |
| Net interest margin | 4.50% (p92 of band) | 3.61% |
| Efficiency ratio | 66.56% (p44 of band) | |
| Noncurrent loans | 2.68% (p93 of band) | 0.65% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 56.25% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 64.80% (p73 of band) | |
| Auto loans | $7.6M (2.08% of loans; DQ 1.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | assets shrinking |  |
| 2012-09 | 2 |  | wholesale funding >15% |
| 2012-12 | 2 | uninsured deposits leaving | assets shrinking |
| 2013-03 | 3 | charge-offs p90, assets shrinking | uninsured deposits leaving |
| 2013-06 | 1 |  | charge-offs p90, assets shrinking |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | noncurrent p90 |  |
| 2014-06 | 1 |  | assets shrinking, noncurrent p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |

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

- 2022-04-13 [Signature Bank of Arkansas buys Harrison’s tallest building - Talk Business & Politics](https://news.google.com/rss/articles/CBMilwFBVV95cUxNemxWaGtiZ01oUmdMUkU5d1M1ejVUTlhfb2JLeVlZT1d1ZTF6ZVF5V2JZbXNKYXhQbDF6enJac0xNMFlWUHR3aGhvS3c3Ql9scVBqdDV2SjByNldPYnZXOTJJSDlDMjNRRW5RNGRKb1o0NExXUXd3TXZ4U3hWU3hqYXZIcm1hMjV1Z3pCQUEwYWlKRnJZWUln?oc=5) · Talk Business & Politics
- 2015-10-20 [Community First merges with Regal Bank - Central New Jersey News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNVjRJbGF4OGRmWjc1Und6cjY2NzFaYWpwU1dUZVdpdVJWS0tPRmdrNm9QNC10MXQ0bXctaV83c0NjU0ZiMEhBTHBLMjM0U3kxdUthU29XNnB2LWVNTFZDN1gtZnYtTEVQRjhsdzR0R18zY1lTSG1EdmFWaXhHbl9GZkFLWjFOaWFCd2tQTVhQdEhSdGRmVHl1a3ZQajdxNUU?oc=5) · Central New Jersey News
- 2022-05-08 [Dynamic Duos 2022 — Alex and Will Gladden - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMie0FVX3lxTFBacGY3TkZhczFoMXBKUFozZlNjMU1SemYtai04czJfNkY0UF9od0kyZ1JjQm5QZHhUSGZFVHhUdzA1RmQ5Z3hVQmJDRk02ZF9wYnR5RW1Wc294UDFUVDVsa2E1R2VZNTA4NE0zMkxiei1ULVJJdGtOb3pfWQ?oc=5) · Arkansas Money & Politics
- 2016-07-14 [Equity Bank to merge with Arkansas-based Community First - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQXzNVcjRMeS1kV2ljRWdHTUFMejJYY2NfTTdvRVRaM2E2TjJ6Z2FaRVFEcEE1ZWc5Wk50a0p5bXpramZna0JZaXV5TmtvYURnLWFNeU4wSG5UMWRVRTBaNDlFOVhBY1ZhQ0p1Vy13ZGpmc010SzN2R3pIX2FoLV9xenppd1NOXzFwV1FSMlZIZFVUaHozQTByZEJjR0VyVl9YdFY3enM3cw?oc=5) · The Business Journals
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-05-28 [James D. Harp Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMie0FVX3lxTE9wcnJKNVVPYW5qYVBXbGNERmRxSlkwR28xNzFOTEFQR2V2TzlPVnZ1dmZDdkw4akg0a2NYbHk4SUxVQTN6VHhjaHlCNHJVM0N0YjA0NXJNMG5BMkhoRUhHXzNMdUtqazVLYVR5bEJnSUZ1MHRSbTlHWkM1aw?oc=5) · Northwest Arkansas Democrat-Gazette
- 2023-02-28 [Equity Bank promotes Harris to Arkansas market president - Talk Business & Politics](https://news.google.com/rss/articles/CBMilAFBVV95cUxQX2lObzI3YnlVVTUzUDJrRmxfTVJxc2xrT2hvaDNBQXhhMWtSdVFnTW1xNEhGZU1GQXhxUGRQZWtuaW0yVndNUl84RVhZdERKdk5uU0YwYWVuV081NmRzRmw2VEh2UFhqenN1UFJ0NWo5SXVsX0NYR0V1Yk5WOUtEVExpb19WRnRIdjdZMjB6ZlJUcWJ3?oc=5) · Talk Business & Politics
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34611 (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/51.json (key "34611", 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