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Overview / Commentary
649 Lincoln Way
Auburn, CA 95603

Community 1st Bank is headquartered in Auburn and is the 136th largest bank in the state of California. It is also the 2,868th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 38 employees at 2 locations. Community 1st Bank has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community 1st Bank had $5.89 million in non-current loans and owned real-estate with $23.91 million in equity and loan loss allowances on hand to cover it. This gives Community 1st Bank a Texas Ratio of 24.65% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Community 1st Bank increased slightly from 13.28% as of March 31, 2013 to 24.65% as of March 31, 2014, resulting in a negative change of 85.68%. This indicates that the balance sheet and financial strength for Community 1st Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community 1st Bank has increased its total deposits by $30.6 million, resulting in 18.65% 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 has shown is excellent.

Capitalization

GRADE:
A

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 has $217.01 million in assets with $23.91 million in equity, resulting in a capitalization level of 11.02%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58191
Year Established2006
Employees38
Primary RegulatorFDIC
Assets and Liabilities
Assets$217.01 million
Loans$122.41 million
Deposits$194.69 million
Equity Capital$21.62 million
Loan Loss Allowance$2.28 million
Unbacked Noncurrent Loans$4.66 million
Real Estate Owned$1.23 million
Historic Data - March 2013
Assets$194.03 million
Equity Capital$21.79 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$4.66 million
Real Estate Owned$900,000
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets0.21%
Return on Equity2.07%
Interest Income$1.81 million
Rates

Sorry, we do not have rate data for Community 1st Bank

Locations


Community 1st Bank Locations
Roseville Branch2250 Douglas Boulevard, Suite 100Roseville, CA 95661
Community 1st Bank649 Lincoln WayAuburn, CA 95603