# COMMUNITY FIRST BANK
REYNOLDSVILLE, PA · FDIC certificate 7953 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $121.4M | |
| Deposits | $106.5M | |
| Loans and leases | $112.8M | |
| Total equity | $12.9M | |
| Loans / deposits | 104.84% (p92 of band) | 78.40% |
| Liquid assets / assets | 3.32% (p0 of band) | |
| Uninsured deposits / deposits | 17.55% (p58 of band) | 15.34% |
| Brokered deposits | 4.80% | |
| Wholesale funding | 5.80% (p68 of band) | |
| FHLB advances / assets | 0.99% | |
| Tier 1 leverage | 10.19% (p32 of band) | 11.34% |
| Unrealized securities loss / equity | 0.00% (p93 of band) | -3.15% |
| AOCI / equity | -0.16% (p80 of band) | |
| ROA (annualized) | -0.14% (p4 of band) | 1.02% |
| Net interest margin | 3.79% (p48 of band) | 3.82% |
| Efficiency ratio | 101.12% (p96 of band) | |
| Noncurrent loans | 3.49% (p94 of band) | 0.57% |
| Net charge-offs (annualized) | 0.08% (p78 of band) | |
| Reserve coverage of noncurrent | 30.43% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 15.18% (p48 of band) | |
| Auto loans | $892,000 (0.79% of loans; DQ 0.00%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | liquid assets <10% |  |
| 2012-03 | 2 | capital falling | liquid assets <10% |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2013-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2014-12 | 3 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2015-03 | 4 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2015-06 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2015-09 | 5 | deposits shrinking |  |
| 2015-12 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 5 | capital falling, reserve under noncurrent |  |
| 2016-12 | 4 |  | wholesale funding >15% |
| 2017-03 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2017-06 | 4 | wholesale funding >15% | capital falling |
| 2017-09 | 2 |  | uninsured deposits leaving, wholesale funding >15% |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | expense ratio p90 |  |
| 2018-09 | 7 | losing money, noncurrent p90, reserve under noncurrent, assets shrinking |  |

## 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
- 2023-03-30 [First Bank - Real Estate NJ](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE5XM1N2aVFyUlV3and6QU02bUNvU3FUbHQ3NTJlZjNHWjVjMHFiZFRxZHRCZjJ2blVMeEJqQ2JldjJYcms?oc=5) · Real Estate NJ
- 2024-06-24 [Credit unions have been buying up banks. Here’s a running list from 2024. - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTFBOREJfRnRFejN3SWJuYmNiR0NuUUpINThmcE5BbFcxX0xUZnNLRm9ieEw1Uldjb1o3em9FLU4tUjhNV2V6Rm5aZHl6ZFVXZ050dFFOWFV3YjVLX3lBbGxMZFZTX25YSXMwNFMtVDhJZjJqM2NYem9yTGhTMA?oc=5) · Banking Dive
- 2018-05-26 [The Farmers National Bank of Emlenton to Partner with Community First Bank - exploreJefferson](https://news.google.com/rss/articles/CBMizgFBVV95cUxOc01NLTBDMVBZVW5RMTZ5Z0ZpYUM1d3F4MG01YThOMlVOa0d5TVZKWk0yaW5BV2lKNUI4dXBnU01tWmh0WXdBdXpxeUVsYy1Xd0FlRkNNdTVnUUxrZ01lazByckZ1aEdEMGxrX0Jvb3BpU3Y5eU56TnZGTUJNNmkydFVEY2kyMWM3cjNYa19VSjlUVFRsZXFZeHVFWGRTV0E4TlpKeV9mVF9vdHpFTGlsMUVxZ2JmaGxBU29CSk5ZVDdPckQ0bEpOSXlsd1FZUQ?oc=5) · exploreJefferson
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 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
- 2025-05-28 [James D. Harp Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMie0FVX3lxTE9wcnJKNVVPYW5qYVBXbGNERmRxSlkwR28xNzFOTEFQR2V2TzlPVnZ1dmZDdkw4akg0a2NYbHk4SUxVQTN6VHhjaHlCNHJVM0N0YjA0NXJNMG5BMkhoRUhHXzNMdUtqazVLYVR5bEJnSUZ1MHRSbTlHWkM1aw?oc=5) · Northwest Arkansas Democrat-Gazette
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7953 (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/17.json (key "7953", 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