Community First Banking Company

Headquarters

1330 Southern Hills Center
West Plains, MO 65775
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.70% →
1-Year CD 0.60% 0.75% →
2-Year CD 0.80% 0.81% →
5-Year CD 0.95% 1.15% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Community First Banking Company is an FDIC insured institution located in West Plains, MO. It was founded in 1997 and has approximately $0.23 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 34610
Date Established 1997
Assets $ 228.26 million
Loans $ 144.81 million
Deposits $ 198.80 million
Capital $ 25.37 million
 

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

Deposit Rates - January 17, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $100 - Learn More
Money Market
0.20% $1 $24,999 Learn More
Money Market
0.35% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.35% $1,000 - Learn More
12 Mo CD
0.60% $1,000 - Learn More
18 Mo CD
0.75% $1,000 - Learn More
24 Mo CD
0.80% $1,000 - Learn More
36 Mo CD
0.85% $1,000 - Learn More
48 Mo CD
0.90% $1,000 - Learn More
60 Mo CD
0.95% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less
 

Loan Rates - January 17, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community First Banking Company

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.701% 2.625% 1.00 $2,495 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Community First Banking Company
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Branches

Community First Banking Company 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:
Fairfield,Connecticut


Community First Banking Company Locations


Financial Details

Community First Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community First Banking Company. 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 Banking Company U.S. Bank Average
4.03% 6.14%

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 September 30, 2020, Community First Banking Company had $741,000 in non-current loans and $350,000 in owned real estate. To cover these potential losses it had $25,368,000 in equity and $1,680,000 in loans loss reserves. That gives it a Texas Ratio of 4.03%.

Return on Equity
Community First Banking Company U.S. Bank Average
12.6% 9.23%

Community First Banking Company has a Return on Equity of 12.6% versus the BestCashCow average of 9.23%. 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 Banking Company U.S. Bank Average
11.11% 12.07%

Community First Banking Company has a Capitalization of 11.11% versus the BestCashCow average of 12.07. 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 Banking Company Balance Sheet Analysis

As of September 30, 2020, Community First Banking Company had assets of $228,256,000, loans of $144,809,000, and deposits of $198,799,000. 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

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 18.60 million
Interest-bearing balances $ 14.58 million
Total securities $ 46.67 million
Federal funds sold and reverse repurchase $ 6.65 million
Net loans and leases $ 144.81 million
Loan loss allowance $ 1.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.35 million
Goodwill and other intangibles $ 0.09 million
All other assets $ 6.84 million
     Total Assets $ 202.89 million
LIABILITIES
Total deposits $ 198.80 million
      Interest-bearing deposits $ 175.18 million
      Deposits held in domestic offices $ 198.80 million
      % insured (estimated) 78.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.00 million
Subordinated debt N.A.
All other liabilities $ 1.09 million
      Total Liabilities $ 202.89 million
      Shareholders’ Equity $ 25.37 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 6.09 million
Total Interest Expense $ 1.05 million
Net interest income $ 5.04 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.97 million
Total non interest expense $ 3.76 million
Pre-tax Net Operating Income $ 2.19 million

Bank Loan Profile?

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

Compared to other banks, Community First Banking Company’s loan portfolio does not show any specific loan specialty.

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 36.43
Multifamily
Mortgages
0.11
Credit Card Loans 0.00
Consumer Auto Loans 2.90
Small Business Loans 0.00
Construction and Development Loans 1.15
Commercial Real Estate 19.23
Commercial and Industrial Loans 14.24
Farm Loans 5.29

Frequently Asked Questions About Community First Banking Company

Branches and Savings

Is Community First Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #34610.

Why does Community First Banking Company 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 Banking Company CD rates not competitive?

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

Is Community First Banking Company a commercial bank?

Yes

Where are Community First Banking Company locations?

See branch locations nearby.

Is Community First Banking Company open on Saturdays?

Is Community First Banking Company open on Sundays?

What time does Community First Banking Company open?

What time does Community First Banking Company close?

Are Community First Banking Company ATMs Open 24/7?

Do Community First Banking Company ATMs accept cash deposits?

Can Community First Banking Company customers use other ATMs?

Do Community First Banking Company branches have notaries?

Will Community First Banking Company notarize my document?

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

Will the Community First Banking Company branch print checks?

Do Community First Banking Company checks expire?

Does Community First Banking Company require US citizenship to open account?

Can Community First Banking Company close my account?

Does Community First Banking Company Report to credit bureaus?

Does Community First Banking Company Use Equifax?

What is Community First Banking Company's ACH Routing Number?

What is Community First Banking Company's SWIFT code?

Products

Does Community First Banking Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community First Banking Company offer personal loans?

Compare personal loan rates here.

Does Community First Banking Company offer student loans?

Will Community First Banking Company cash a check?

Will Community First Banking Company redeem a savings bond?

Does Community First Banking Company cash savings bonds?

Will Community First Banking Company cash money orders?

Can Community First Banking Company issue a money order?

Does Community First Banking Company do currency exchange?

Background on The Bank

Who owns Community First Banking Company?

How long has Community First Banking Company been around?

Can Community First Banking Company transfer to other banks?

Does Community First Banking Company have quick pay?

Does Community First Banking Company accept rolled coins?

Will Community First Banking Company accept loose change?

Where is Community First Banking Company headquarters?

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