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Community First Bank
Menahga, MN · FDIC Certificate #5197 · Chartered 09/0
Total assets
$126.50M
Total deposits
$108.43M
Total equity
$15.99M
Net loans
$65.56M
Branches (offices)
2
Net income (YTD)
$1.16M
Rank: #3,480 of 4,213 U.S. banks by assets · #150 of 221 in Minnesota. Assets changed 1.9% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 14.84% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 12.64% |
| Tier 1 leverage ratio | 12.84% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | -0.18% |
| Loans to deposits | 60.5% |
| Real estate loans (share of loans) | 50.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.11M | 50.5% | |
| Commercial & industrial | $24.19M | 36.9% | |
| Consumer / individual | $4.80M | 7.3% | |
| Construction & development | $3.05M | 4.7% | |
| Agricultural | $4.28M | 6.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.24M | $101.13M | $707.00K | $12.61M |
| Jun 2023 | $119.43M | $102.85M | $540.00K | $11.77M |
| Jun 2024 | $116.09M | $100.50M | $627.00K | $12.79M |
| Jun 2025 | $124.11M | $106.19M | $959.00K | $14.87M |
| Jun 2026 | $126.50M | $108.43M | $1.16M | $15.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $108.43M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $108.43M.
Similar-sized banks
Rocky Mountain Bank & Trust ($126.52M) · Dalhart Federal Savings & Loan Association, SSB ($126.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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