Community First Bank

444 Main Street
Reynoldsville, PA 15851

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7953
Date Established 1893
Assets $0.13 billion
Loans $0.11 billion
Deposits $0.10 billion
Capital $0.01 billion

Community First Bank is an FDIC insured institution located in Reynoldsville, PA. It was founded in 1893 and has approximately $0.13 billion in assets. Customers can open an account at one of its 4 branches.

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

Bank Loan Profile?

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

Compared to other banks in Pennsylvania, Community First Bank has a significantly higher percent of Credit Card Loans, Small Business Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.03
Multifamily
Mortgages
1.70
Credit Card Loans 0.27
Consumer Auto Loans 1.00
Small Business Loans 23.14
Construction and Development Loans 2.21
Commercial Real Estate 24.03
Commercial and Industrial Loans 8.02
Farm Loans 2.06

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1 - Learn MoreShow Less
6 Mo CD 10K
0.15% $1 - Learn MoreShow Less
Special: 10 Mo CD
1.40% $1 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $1 - Learn MoreShow Less
Special: 54 Mo FIRA
2.15% $1 - Learn MoreShow Less
Special: 72 Mo FIRA
2.40% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.05% $1 $24,999 Learn MoreShow Less
Premium MM 25K
0.10% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $1 $2,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community First 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.761% 3.750% -0.13 $335 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Community First Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Community First Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Community First Bank Locations

Financial Details

Community First Bank Ratio Analysis

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

Texas Ratio
Community First Bank U.S. Bank Average
5.79% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Community First Bank had $748,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,665,000 in equity and $1,256,000 in loans loss reserves. That gives it a Texas Ratio of 5.79%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Community First Bank U.S. Bank Average
7.06% 8.58

Community First Bank has a Return on Equity of 7.06% versus the BestCashCow average of 8.58. 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.

Capitalization
Community First Bank U.S. Bank Average
9.17% 12.11

Community First Bank has a Capitalization of 9.17% versus the BestCashCow average of 12.11. 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 First Bank Balance Sheet Analysis

As of June 30, 2017, Community First Bank had assets of $127,241,000, loans of $113,009,000, and deposits of $100,205,000. 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.

Frequently Asked Questions About Community First Bank

Branches and Savings

Is Community First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7953.

Why does Community First 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 First Bank CD rates not competitive?

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

Is Community First Bank a commercial bank?

Yes

Where are Community First Bank locations?

See branch locations nearby.

Is Community First Bank open on Saturdays?

Is Community First Bank open on Sundays?

What time does Community First Bank open?

What time does Community First Bank close?

Are Community First Bank ATMs Open 24/7?

Do Community First Bank ATMs accept cash deposits?

Can Community First Bank customers use other ATMs?

Do Community First Bank branches have notaries?

Will Community First Bank notarize my document?

What address for Community First Bank should I put for incoming ACH transfers?

Will the Community First Bank branch print checks?

Do Community First Bank checks expire?

Does Community First Bank require US citizenship to open account?

Can Community First Bank close my account?

Does Community First Bank Report to credit bureaus?

Does Community First Bank Use Equifax?

What is Community First Bank's ACH Routing Number?

What is Community First Bank's SWIFT code?

Products

Does Community First Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community First Bank offer personal loans?

Compare personal loan rates here.

Does Community First Bank offer student loans?

Will Community First Bank cash a check?

Will Community First Bank redeem a savings bond?

Does Community First Bank cash savings bonds?

Will Community First Bank cash money orders?

Can Community First Bank issue a money order?

Does Community First Bank do currency exchange?

Background on The Bank

Who owns Community First Bank?

How long has Community First Bank been around?

Can Community First Bank transfer to other banks?

Does Community First Bank have quick pay?

Does Community First Bank accept rolled coins?

Will Community First Bank accept loose change?

Where is Community First Bank headquarters?

Customer Reviews for Community First Bank

There are currently no comments for Community First Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →