COMMUNITY FIRST BANK: how it compares with its peers
Against 97 MN banks with half to twice its assets, COMMUNITY FIRST BANK's strongest measure in Q2 2026 is return on assets (1.84% vs. a 1.24% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.2M).
| Measure | COMMUNITY FIRST BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.24% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 4.07% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.04% | 61.48% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.2M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.46% | 79.75% | Context |
What it means for lending operations
Its efficiency ratio of 56.04% is better than the 61.48% 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
- State Bank of New Richland New Richland, MN · $124M
- The First National Bank of Bagley Bagley, MN · $129M
- MINNESOTA LAKES BANK Delano, MN · $130M
- Key Community Bank Inver Grove Heights, MN · $121M
- Heritage Bank Minnesota West Concord, MN · $121M
- Global Innovations Bank Kiester, MN · $120M
Questions about COMMUNITY FIRST BANK
How big is COMMUNITY FIRST BANK?
COMMUNITY FIRST BANK, established in 1898, is headquartered in Menahga, MN. It reported $126M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is COMMUNITY FIRST BANK's return on assets?
1.84% annualized in Q2 2026, against a 1.24% median for 97 MN banks with half to twice its assets, ahead of 82% of them.
What is COMMUNITY FIRST BANK's efficiency ratio?
56.04% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.48%, and lower is better.
Is COMMUNITY FIRST BANK growing its loans?
Net loans shrank 1.4% over the year to Q2 2026, while deposits grew 2.1%.
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 MN 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 Minnesota bank ranked.