Community First National Bank

Headquarters

215 South Seth Child Road
Manhattan, KS 66502
See all branch locations →

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 First National Bank is an FDIC insured institution located in Manhattan, KS. It was founded in 2001 and has approximately $0.3 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 35585
Date Established 2001
Assets $ 303.49 million
Loans $ 260.26 million
Deposits $ 272.43 million
Capital $ 28.75 million
 

For a more detailed analysis of Community First National 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 First National 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

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2.444% 2.375% 0.88 $2,304 $972 Learn More
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Featured - Virginia Home Equity Line Of Credit Rates 2020

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2.240 %
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Bethpage Federal Credit Union
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2.990 %
After Intro: 3.500 %
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Note to Community First National Bank
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Branches

Community First National 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 National Bank Locations


Financial Details

Community First National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community First National 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 National Bank U.S. Bank Average
1.49% 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 First National Bank had $477,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,750,000 in equity and $3,325,000 in loans loss reserves. That gives it a Texas Ratio of 1.49%.

Return on Equity
Community First National Bank U.S. Bank Average
10.88% 7.80%

Community First National Bank has a Return on Equity of 10.88% 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.

Capitalization
Community First National Bank U.S. Bank Average
9.47% 12.68%

Community First National Bank has a Capitalization of 9.47% 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 First National Bank Balance Sheet Analysis

As of March 31, 2020, Community First National Bank had assets of $303,491,000, loans of $260,258,000, and deposits of $272,433,000. 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
ASSETS
Cash & Balances due from depository institutions $ 22.01 million
Interest-bearing balances $ 18.05 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 10.25 million
Net loans and leases $ 260.26 million
Loan loss allowance $ 3.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.29 million
     Total Assets $ 274.74 million
LIABILITIES
Total deposits $ 272.43 million
      Interest-bearing deposits $ 222.57 million
      Deposits held in domestic offices $ 272.43 million
      % insured (estimated) 82.20%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.31 million
      Total Liabilities $ 274.74 million
      Shareholders’ Equity $ 28.75 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.41 million
Total Interest Expense $ 0.89 million
Net interest income $ 2.52 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 1.77 million
Total non interest expense $ 3.18 million
Pre-tax Net Operating Income $ 0.97 million

Bank Loan Profile?

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

Compared to other banks in Kansas, Community First National Bank has a significantly higher percent of Multifamily Mortgages, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.48
Multifamily
Mortgages
8.64
Credit Card Loans 0.00
Consumer Auto Loans 1.03
Small Business Loans 0.00
Construction and Development Loans 7.08
Commercial Real Estate 30.59
Commercial and Industrial Loans 13.56
Farm Loans 1.06

Frequently Asked Questions About Community First National Bank

Branches and Savings

Is Community First National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35585.

Why does Community First National 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 National Bank CD rates not competitive?

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

Is Community First National Bank a commercial bank?

Yes

Where are Community First National Bank locations?

See branch locations nearby.

Is Community First National Bank open on Saturdays?

Is Community First National Bank open on Sundays?

What time does Community First National Bank open?

What time does Community First National Bank close?

Are Community First National Bank ATMs Open 24/7?

Do Community First National Bank ATMs accept cash deposits?

Can Community First National Bank customers use other ATMs?

Do Community First National Bank branches have notaries?

Will Community First National Bank notarize my document?

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

Will the Community First National Bank branch print checks?

Do Community First National Bank checks expire?

Does Community First National Bank require US citizenship to open account?

Can Community First National Bank close my account?

Does Community First National Bank Report to credit bureaus?

Does Community First National Bank Use Equifax?

What is Community First National Bank's ACH Routing Number?

What is Community First National Bank's SWIFT code?

Products

Does Community First National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community First National Bank offer personal loans?

Compare personal loan rates here.

Does Community First National Bank offer student loans?

Will Community First National Bank cash a check?

Will Community First National Bank redeem a savings bond?

Does Community First National Bank cash savings bonds?

Will Community First National Bank cash money orders?

Can Community First National Bank issue a money order?

Does Community First National Bank do currency exchange?

Background on The Bank

Who owns Community First National Bank?

How long has Community First National Bank been around?

Can Community First National Bank transfer to other banks?

Does Community First National Bank have quick pay?

Does Community First National Bank accept rolled coins?

Will Community First National Bank accept loose change?

Where is Community First National Bank headquarters?

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