# COMMUNITY FIRST BANK
NEW IBERIA, LA · FDIC certificate 35020 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $781.6M | |
| Deposits | $706.8M | |
| Loans and leases | $539.2M | |
| Total equity | $71.4M | |
| Loans / deposits | 75.20% (p35 of band) | 82.04% |
| Liquid assets / assets | 28.31% (p60 of band) | |
| Uninsured deposits / deposits | 35.70% (p81 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.74% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -8.51% (p48 of band) | -8.10% |
| AOCI / equity | -1.55% (p12 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 58.30% (p41 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.20% (p91 of band) | |
| Reserve coverage of noncurrent | 264.32% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 100.02% (p87 of band) | |
| Auto loans | $3.4M (0.63% of loans; DQ 2.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | construction >100% equity |  |
| 2014-03 | 1 | capital falling | construction >100% equity |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 1 | capital falling | construction >100% equity |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 2 | charge-offs p90, construction >100% equity | capital falling |

## 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
- 2017-12-01 [BREAKING: Community First Bank robbery suspect in custody - KLFY.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOR3otelFiTGN0WTlhRFYxazQydzF1Rkt0cGdqS1NrRGdFcXR5S21HQUFBS0xqcjRJN25xTjBTMWU1X2h3N2RROFZmYnN3eExwSmVQdmNIN0FsanFuY3ZBOWlJVENOSGFSdHJkQlF4ZXRQZjNXcWFPR0NxdmhtTk5pT25abzB5OHVSYzZSUNIBkgFBVV95cUxQTF9oY1FXQUYwcTF4bWxWZFk5VWl0aUVXemdsRllidUFBQVA2Y0NUQlduVlBja1I5a1NnbGtJcVI1VUlZTUhBQmVSUUtZVDFVVlFVNm1TNGk2YjV5R1AzenBjdUktWWJpRGFycGJTc0k1OTBBNF81aXZ0YXg5VjBvU1Z0OEZuSnl2X2N6TW11VUMtZw?oc=5) · KLFY.com
- 2024-02-18 [Louisiana Bankers council name officers - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2020-08-27 [Walter "Dub" LaBauve Obituary August 27, 2020 - Pellerin Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE1SMjYtYW9BeEJ0djl0MzFWZXp4bWRQUThrbE1PRWIxQ0RwX2ExVkNZQWdOQXNoX3FqNnc3S1YzUDE1bEpVTnlxWEdRSllOWEduVkN1aTJtSFZKaUpEUXAwWmtoM2ZYWjZhU2tVeEx3Um1tVTg?oc=5) · Pellerin Funeral Homes
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2017-04-24 [Bank teller arrested after assisting boyfriend in 2015 robbery in Broussard - kplctv.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNXzZtWGRsTnltMXp0QWtFUWFzWVpuNDE3VzY1ZUFrcWJWRlM4VmY1VXFFWnRzMUlaTjcxWVlSOU9MX29ycTFyVUVYN0VIRml2QWV3Wms5NWlaVkZHcTZTS3VHaG14R3FOTHVjM3pDYXM4U0NqazRkSTFGeEkwRHJUQlVPMThsUnozNXJNbFFsX2pabW80VjZxSW83Uk4waGFQUnpv0gG2AUFVX3lxTE9kTkY2R2tWRFo4enhhcjl4SHlVOUQxNVVyZnh1NEdVb0lEY1VGYXB6cndJbUFWbVpRUmZiY1hiV2dkbEpNUVBrdzdLS2hOTVVtejQtVzJjNTNHR2NjUzgtcTh3NF8tX19rc1YzazhxeVNyUnkwaEFrcy1mYkFLOXZxVmd2eURRR3IzeXdCYTZ2Z3VqRGt0NFZyQ3RYTXJrelk3ZUd1V0JaOE1PTEhPMFlKMGZ6N3ZB?oc=5) · kplctv.com
- 2026-01-08 [Acadiana newsmakers: 62 named 2026 Ambassadors for One Acadiana - The Advocate](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPRlE4MkU3cWMwSFZkYkItMGN5RGFlU3Y2OThXemlLLUZrcE1ya0pOODUwY3MzX2JIT0dvV2VVaFR6THR6OFhaZGpQVVI4VnRXYjAtN0dvZ19uWWg0UE42akIwYXQ2MEk5cTN1em9LeDNLSEtaREF1V19wZERCemwxTW1yT3RTakdZaTRvTlpfTEJTdkNrWlRjbVJxVG5BYkh0ZlRHaUl3Vmd3WWhGSFhjMm9idDN0blZZU0NlNGdCQUpPOFZIU0oxSFpVNWJXMGk2cDN3MUNVaGFORzA?oc=5) · The Advocate
- 2022-12-20 [Josh Perot installed as officer of Louisiana Bankers Education Council 2023 - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRVl4UFJVSGRlOE9XY0hDdjRnSkVONHpjb2ItTVdFZzV4TVdhUlk4X2lIbFlaSEZXUmxRbkpuNW43dDlsUVJtRXFXTjAwdWFaTmI3SG9SeUx2cVEtMDN0bVRDVnNWby1qTUIwUUFNSHR3VGJ0VzhVay1aaUF0aXgtbWY1cHBycUc0U3diUFVaVTRrMTVWRmlKSkxjekd4QlE2d3FGalhLajFZZ1ZjQk5Qdk92WEh3NFF4NHN5Ug?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35020 (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/12.json (key "35020", 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