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Overview / Commentary
707 North Post Street
Post Falls, ID 83854

Community 1st Bank (ID) is headquartered in Post Falls and is the 15st largest bank in the state of Idaho. It is also the 5,108th largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 21 employees at 2 locations. Community 1st Bank (ID) has a A health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community 1st Bank (ID) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Community 1st Bank (ID) had $797,000 in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives Community 1st Bank (ID) a Texas Ratio of 7.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community 1st Bank (ID) experienced no significant changes from 7.94% as of December 31, 2012 to 7.32% as of December 31, 2013, resulting in a positive change of 7.70%.This indicates that the balance sheet and financial strength for Community 1st Bank (ID) has had no significant changes in recent periods.

Deposit Growth


In the past year, Community 1st Bank (ID) has increased its total deposits by $11.46 million, resulting in 17.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community 1st Bank (ID) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community 1st Bank (ID) has $85.68 million in assets with $10.88 million in equity, resulting in a capitalization level of 12.70%, which is excellent.

Institution Statistics

FDIC Certificate #58576
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$85.68 million
Loans$51.73 million
Deposits$75.70 million
Equity Capital$9.81 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$46,000
Real Estate Owned$751,000
Historic Data - December 2012
Assets$74.02 million
Equity Capital$9.58 million
Loan Loss Allowance$972,000
Unbacked Noncurrent Loans$46,000
Real Estate Owned$752,000
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets0.43%
Return on Equity3.66%
Interest Income$3.33 million

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Community 1st Bank (ID) Locations
Hanley Branch435 W Hanley Ave., Ste 100Coeur D Alene, ID 83815
Community 1st Bank707 North Post StreetPost Falls, ID 83854