Community First Banking Company: how it compares with its peers
Against 79 MO banks with half to twice its assets, Community First Banking Company's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.76% vs. 4.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.47% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 4.14% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.46% | 59.54% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.1M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.48% | 85.12% | Context |
What it means for lending operations
Its efficiency ratio of 57.46% is better than the 59.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Century Bank of the Ozarks Gainesville, MO · $305M
- Goppert Financial Bank Lathrop, MO · $312M
- Putnam County State Bank Unionville, MO · $318M
- St. Johns Bank and Trust Company Saint Louis, MO · $297M
- United State Bank Lewistown, MO · $290M
- Commercial Bank Saint Louis, MO · $283M
Questions about Community First Banking Company
How big is Community First Banking Company?
Community First Banking Company, established in 1997, is headquartered in West Plains, MO. It reported $307M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community First Banking Company's return on assets?
1.44% annualized in Q2 2026, against a 1.47% median for 79 MO banks with half to twice its assets, ahead of 47% of them.
What is Community First Banking Company's efficiency ratio?
57.46% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 59.54%, and lower is better.
Is Community First Banking Company growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.