# COMMUNITY FIRST BANK
KENNEWICK, WA · FDIC certificate 34627 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $672.0M | |
| Deposits | $622.3M | |
| Loans and leases | $358.2M | |
| Total equity | $48.0M | |
| Loans / deposits | 56.95% (p12 of band) | 81.31% |
| Liquid assets / assets | 44.43% (p86 of band) | |
| Uninsured deposits / deposits | 53.64% (p97 of band) | 24.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p30 of band) | 10.49% |
| Unrealized securities loss / equity | -31.67% (p21 of band) | -12.52% |
| AOCI / equity | 5.92% (p89 of band) | |
| ROA (annualized) | 1.27% (p60 of band) | 1.11% |
| Net interest margin | 3.16% (p25 of band) | 3.64% |
| Efficiency ratio | 75.06% (p77 of band) | |
| Noncurrent loans | 0.06% (p22 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p78 of band) | |
| Reserve coverage of noncurrent | 1684.82% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 55.04% (p57 of band) | |
| Auto loans | $750,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 137 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | uninsured deposits >50%, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | uninsured deposits >50% |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | construction >100% equity | deposits shrinking, assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | capital falling | uninsured deposits leaving |
| 2024-03 | 2 |  | construction >100% equity, capital falling |
| 2024-06 | 2 | construction >100% equity | charge-offs p90 |
| 2024-09 | 2 | capital falling | construction >100% equity |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 2 | uninsured deposits >50% |  |

## 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
- 2025-08-03 [HAPO prepares for $7.6 million expansion after bank acquisition - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMibkFVX3lxTE1qUW5HVVIxTHNNQ1R0MDlQSXdrbk56NEdGZF96TFZyUS1YS2xhNkdpaGNyZkN6aWZtZ01uR3gwLXlsTHlaaDg5d29oTV9HeVZTYllVTnVDXzZLUi1SRDNicU5Ud20zaGxDeml1ZWRB?oc=5) · Tri-Cities Area Journal of Business
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 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
- 2024-10-08 [HAPO Community Credit Union Expands with Acquisition of Community First Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPeEx1QWVLemxkQkJ0SFhQb3MyTVZvcDhzLTJ6YjNwd0tiVjItaVU1b01adnNscHlrOTd5WGpwMF9xT1BqWWtGRTQzWEZMYVRWeGN6T2VfUkhhRmQyMkU0RDcxLWJONmpMeHJWNzBiRFUzRnYyWTExeS1mZW9TVmg5dEJYSVVJVnUtemxVTWNJVWJ1NDFGbjdacnVCUlFDTDFQeVlucWdKWTFxMy12N05Rd0hadEp4TDBpdXota3FOZjlpTEJzT2ZGdTNxN3N5QWNQbmYzbFU0azdKd0lzRDIwOVBB?oc=5) · GlobeNewswire
- 2024-10-09 [Washington-Based HAPO Community Credit Union to Acquire Community First Bank - PYMNTS.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQNnlVZlFTcmtsVnZKenBRM0tLcEItMzZPODdubGJwQmVKb05Lc0Z0cUEzQUYtWU41T25UZUIyYUJUUW5paWdROHIwUnNUMDVNSWhWUG1IWkM1dFJiRkR3ZFRZeXpXQVRaYVRhbzc3M2lkOHpZTUViNmFBQXk5ZlJWZHd0R3RtUjJHVEQ0M1pFdUhPM2ItNGNmNldtZEpYcUJNSDloMGYzaEpCaldlY0ZVX09tWmQtUQ?oc=5) · PYMNTS.com
- 2022-08-24 [Community First Bank to support teachers through grants - Current Publishing](https://news.google.com/rss/articles/CBMimAFBVV95cUxNX3llZ2FIaVNtVWNyRnlEWmh1M0RqZFVHXy1vVTBuUm5od0ZOZFdvczViZHJSLXRwQ09fRWhLTjV2aExac0pCZUdwOXFMMndkN1VQUkhUT2VqMmMxTWNWWWhjNGhkSFdTcGw5V0FwN1d5RDRoV01oTktIZmh2UjVmcEFRVDJ6U0lzTEJSc1FtbHFkYkw5bXlHcQ?oc=5) · Current Publishing
- 2024-10-14 [HAPO announces plans to acquire Community First Bank - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMicEFVX3lxTE5nUGZjb1poWDRTWGlGQWR0Q1dmQjFTUHUwUEdEcklYQXQzY29qUTVZcU9rMmlSM3hCd0cwZ1Z4bklGMTJwV3VOSlVmb1BuekwxVDZZS3NrbjJQS0tXNnpiVkxCMm9WT1oyc1NtcHMzNlU?oc=5) · Tri-Cities Area Journal of Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34627 (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/3.json (key "34627", 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