Community 1st Bank


649 Lincoln Way
Auburn, CA 95603
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community 1st Bank is an FDIC insured institution located in Auburn, CA. It was founded in 2006 and has approximately $0.41 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58191
Date Established 2006
Assets $ 390.27 million
Loans $ 224.62 million
Deposits $ 375.40 million
Capital $ 34.32 million

For a more detailed analysis of Community 1st Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community 1st Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.539% 2.500% 0.50 $1,304 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.554% 2.500% 0.75 $1,770 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Community 1st Bank
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Financial Details

Community 1st Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community 1st Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community 1st Bank U.S. Bank Average
1.41% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Community 1st Bank had $281,000 in non-current loans and $248,000 in owned real estate. To cover these potential losses it had $34,322,000 in equity and $3,096,000 in loans loss reserves. That gives it a Texas Ratio of 1.41%.

Return on Equity
Community 1st Bank U.S. Bank Average
7.57% 7.80%

Community 1st Bank has a Return on Equity of 7.57% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Community 1st Bank U.S. Bank Average
8.79% 12.68%

Community 1st Bank has a Capitalization of 8.79% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community 1st Bank Balance Sheet Analysis

As of September 30, 2017, Community 1st Bank had assets of $410,373,000, loans of $224,620,000, and deposits of $375,401,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 224.62 million
Loan loss allowance $ 3.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.25 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 375.40 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 390.27 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community 1st Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, Community 1st Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.81
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 0.90
Commercial Real Estate 71.27
Commercial and Industrial Loans 11.32
Farm Loans 0.00

Frequently Asked Questions About Community 1st Bank

Branches and Savings

Is Community 1st Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58191.

Why does Community 1st Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community 1st Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community 1st Bank a commercial bank?


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Does Community 1st Bank require US citizenship to open account?

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Does Community 1st Bank offer mortgages?

Compare mortgage rates here.

Does Community 1st Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community 1st Bank offer personal loans?

Compare personal loan rates here.

Does Community 1st Bank offer student loans?

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Background on The Bank

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