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Overview / Commentary
660-679-3135
915 West Fort Scott Street
Butler, MO 64730

Community First Bank (MO) is headquartered in Butler and is the 139th largest bank in the state of Missouri. It is also the 3,642nd largest bank in the nation. It was established in 1932 and as of March of 2014, it had grown to 38 employees at 3 locations. Community First Bank (MO) has a B+ health rating.

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Reviews (1)

Bank Is Too Small For Large Businesses To Get Capital They Need

This bank has sloppy loan policies. No one employed that knows anything about agriculture. Stay away from them. They do not have capital or knowledge of financing large businesses. Stick to car and TV loans.



Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A

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 First Bank (MO) had $1.2 million in non-current loans and owned real-estate with $14.83 million in equity and loan loss allowances on hand to cover it. This gives Community First Bank (MO) a Texas Ratio of 8.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Community First Bank (MO) decreased slightly from 11.29% as of March 31, 2013 to 8.08% as of March 31, 2014, resulting in a positive change of 28.43%.This indicates that the balance sheet and financial strength for Community First Bank (MO) has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Community First Bank (MO) has decreased its total deposits by -$1.78 million, resulting in -1.3% 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 First Bank (MO) has shown is average.

Capitalization

GRADE:
B

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 First Bank (MO) has $154.89 million in assets with $14.83 million in equity, resulting in a capitalization level of 9.57%, which is above average.

Institution Statistics

Overall
FDIC Certificate #10595
Year Established1932
Employees38
Primary RegulatorFDIC
Assets and Liabilities
Assets$154.89 million
Loans$119.49 million
Deposits$134.82 million
Equity Capital$13.53 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$30,000
Historic Data - March 2013
Assets$158.51 million
Equity Capital$14.17 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$67,000
Profit Margin - Quarterly
Net Interest Margin3.66%
Return on Assets1.46%
Return on Equity16.85%
Interest Income$1.65 million
Rates

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Community First Bank (MO) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25-Regular Savings

Community First Bank (MO) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$90k-Money Market

Community First Bank (MO) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.11%$750-Now Checking

Community First Bank (MO) CD Rates

DetailsAPYMINMAXPRODUCT
1.36%$1k-60 Month CD
1.05%$1k-48 Month CD
0.90%$1k-36 Month CD
0.90%$1k-39 Month CD
0.60%$1k-24 Month CD
0.60%$1k-30 Month CD
0.40%$1k-12 Month CD
0.40%$1k-18 Month CD
0.40%$1k-20 Month CD
0.30%$1k-6 Month CD
0.20%$1k-3 Month CD

Community First Bank (MO) IRA Rates

DetailsAPYMINMAXPRODUCT
1.36%$1k-60 Month IRA
1.05%$1k-48 Month IRA
0.90%$1k-36 Month IRA
0.60%$1k-24 Month IRA
0.40%$1k-12 Month IRA
Locations


Community First Bank (MO) Locations
Cfb West Branch1109 W. Ft. Scott StreetButler, MO 64730
Appleton City Branch214-16 West 4th StreetAppleton City, MO 64724
Community First Bank915 West Fort Scott StreetButler, MO 64730