TellerScore

Community First Bank (FDIC certificate #35020) is based in New Iberia, Louisiana. Its Q2 2026 call report shows $781.6M in total assets and $706.8M in deposits and 9 offices.

Based on its Q2 2026 filing, Community First Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 41st. Its strongest component is earnings (94/100; 1.85%), and its lowest is capital cushion (47/100; 9.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.74%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.54%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 75.2% · 35.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (74 → 72), mostly because the loan quality component weakened by 10 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202472
Q4 202472
Q1 202574
Q2 202574
Q3 202575
Q4 202573
Q1 202674
Q2 202672
Tier 1 leverage ratio
5.00%7.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.49%
Q3 20249.90%
Q4 20249.83%
Q1 20259.76%
Q2 20259.71%
Q3 202510.01%
Q4 20259.90%
Q1 20269.65%
Q2 20269.74%
Noncurrent loans
0.20%0.37%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.23%
Q4 20240.25%
Q1 20250.23%
Q2 20250.24%
Q3 20250.25%
Q4 20250.33%
Q1 20260.34%
Q2 20260.54%
Return on assets
1.44%1.65%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20241.56%
Q4 20241.64%
Q1 20251.81%
Q2 20251.83%
Q3 20251.83%
Q4 20251.84%
Q1 20261.86%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$781.6M9.74%0.54%1.85%75.2%
Q1 202674$790.2M9.65%0.34%1.86%73.2%
Q4 202573$742.3M9.90%0.33%1.84%79.0%
Q3 202575$723.0M10.01%0.25%1.83%80.6%
Q2 202574$718.2M9.71%0.24%1.83%79.4%
Q1 202574$718.4M9.76%0.23%1.81%79.5%
Q4 202472$666.1M9.83%0.25%1.64%85.6%
Q3 202472$657.4M9.90%0.23%1.56%88.7%
Q2 202470$657.3M9.49%0.20%1.44%86.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.74%
26th
Total risk-based capital15.43%
70th
Problem loans0.54%
44th
Net charge-offs0.28%
9th
Return on assets1.85%
82nd
Net interest margin4.49%
79th
Efficiency ratio58.3%
62nd
Loans to deposits75.2%
60th
Uninsured deposits35.7%
16th
Loan-loss reserves1.42%
73rd
Texas ratio3.7%
43rd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
M C Bank & Trust CompanyBank Morgan City, LA47 out of 100, Below average$710.0M43.0%5.84%vs
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs
Metairie Bank & Trust CompanyBank Metairie, LA75 out of 100, Strong$666.0M11.5%0.46%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs

Deposit insurance

Is my money safe at Community First Bank?

Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #35020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.7% of deposits ($252.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.43% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Community First Bank lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community First Bank reported 179 home-loan applications under HMDA (LEI 549300BWRXVFSDCUUY93): 147 originated ($21,205,000 total), 3 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community First Bank
Type
State-chartered bank
FDIC certificate #
35020
RSSD ID
2775179
Primary regulator
FDIC
Holding company
Community First Bancshares Inc
Established
May 10, 1999
Headquarters
1101 E Admiral Doyle Dr, New Iberia, LA 70560
Employees
122

Quick answers

Community First Bank: common questions

Is Community First Bank FDIC insured?

Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #35020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community First Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community First Bank ever failed?

There is no failure record for FDIC certificate #35020 in the FDIC failed bank list.

How many branches does Community First Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New Iberia

InstitutionScoreAssetsCapitalProblem loansCompare
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Cabot Employees Credit UnionCredit union Franklin, LA89 out of 100, Very strong$1.3M27.0%0.00%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA85 out of 100, Very strong$455K22.7%0.49%vs
Bayou Federal Credit UnionCredit union Baton Rouge, LA84 out of 100, Strong$82.5M15.9%0.30%vs