Community First Bank, National Association: how it compares with its peers
Against 29 OH banks with half to twice its assets, Community First Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.72% vs. a 3.70% peer median). Its weakest relative measure is return on assets (0.50% vs. 0.69%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.50% | 0.69% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.70% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.19% | 78.74% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.1M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.14% | 76.28% | Context |
What it means for lending operations
Its efficiency ratio of 83.19% is above the 78.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Liberty Bank Ironton, OH · $56M
- Fortuna Bank Grandview Heights, OH · $57M
- The Pioneer Savings Bank Cleveland, OH · $55M
- The Union Banking Company West Mansfield, OH · $55M
- The Waterford Commercial and Savings Bank Waterford, OH · $60M
- The Peoples Bank Gambier, OH · $60M
Questions about Community First Bank, National Association
How big is Community First Bank, National Association?
Community First Bank, National Association, established in 1904, is headquartered in Forest, OH. It reported $56M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Community First Bank, National Association's return on assets?
0.50% annualized in Q2 2026, against a 0.69% median for 29 OH banks with half to twice its assets, ahead of 31% of them.
What is Community First Bank, National Association's efficiency ratio?
83.19% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 78.74%, and lower is better.
Is Community First Bank, National Association growing its loans?
Net loans grew 12.2% over the year to Q2 2026, while deposits shrank 2.3%.
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 OH 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 Ohio bank ranked.