Headquartered in Menahga, Minnesota, Community First Bank is a state-chartered bank with $126.5M in total assets and $108.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1898.
Based on its Q2 2026 filing, Community First Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 10th. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 14% uninsured), and its lowest is capital cushion (78/100; 12.84%).
TellerScore · Q2 2026
Scorecard
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 rose 14 points (76 → 90), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 84 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 91 |
| Q2 2026 | 90 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.39% |
| Q3 2024 | 12.65% |
| Q4 2024 | 11.94% |
| Q1 2025 | 12.53% |
| Q2 2025 | 12.72% |
| Q3 2025 | 12.82% |
| Q4 2025 | 12.09% |
| Q1 2026 | 12.79% |
| Q2 2026 | 12.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.96% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.17% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.51% |
| Q1 2026 | 2.00% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $126.5M | 12.84% | 0.28% | 1.84% | 60.5% |
| Q1 2026 | 91 | $126.4M | 12.79% | 0.18% | 2.00% | 59.6% |
| Q4 2025 | 79 | $125.3M | 12.09% | 0.90% | 1.51% | 62.3% |
| Q3 2025 | 79 | $126.3M | 12.82% | 1.17% | 1.60% | 63.3% |
| Q2 2025 | 76 | $124.1M | 12.72% | 1.41% | 1.58% | 62.6% |
| Q1 2025 | 77 | $120.1M | 12.53% | 1.35% | 1.66% | 63.3% |
| Q4 2024 | 74 | $120.3M | 11.94% | 0.96% | 1.06% | 65.4% |
| Q3 2024 | 84 | $120.8M | 12.65% | 0.15% | 1.09% | 64.5% |
| Q2 2024 | 80 | $116.1M | 12.39% | 0.36% | 1.05% | 68.2% |
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of New RichlandBank New Richland, MN | 73 out of 100, Strong | $124.2M | 10.0% | 0.29% | vs |
| The First National Bank of BagleyBank Bagley, MN | 60 out of 100, Moderate | $129.2M | 7.9% | 1.02% | vs |
| Minnesota Lakes BankBank Delano, MN | 53 out of 100, Below average | $129.8M | 10.7% | 3.18% | vs |
| Key Community BankBank Inver Grove Heights, MN | 57 out of 100, Moderate | $121.0M | 10.7% | 0.00% | vs |
| Heritage Bank MinnesotaBank West Concord, MN | 57 out of 100, Moderate | $120.9M | 7.3% | 0.64% | vs |
| Global Innovations BankBank Kiester, MN | 70 out of 100, Strong | $120.1M | 8.5% | 0.03% | vs |
Deposit insurance
Is my money safe at Community First Bank?
Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #5197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.4% of deposits ($15.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Community First Bank lists 2 offices in 2 cities. Most locations:
- Menahga, MN (1)
- Sebeka, MN (1)
Identity & history
Profile
- Legal name
- Community First Bank
- Former names
- First National Bank of Menahga & Sebeka; The First National Bank of Menahga
- Type
- State-chartered bank
- FDIC certificate #
- 5197
- RSSD ID
- 923855
- Primary regulator
- FDIC
- Holding company
- Menahga Bancshares Inc
- Established
- September 1, 1898
- Headquarters
- 21 Main St Ne, Menahga, MN 56464
- Website
- www.communityfirstbankmn.com
- Employees
- 23
Quick answers
Community First Bank: common questions
Is Community First Bank FDIC insured?
Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #5197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community First Bank's TellerScore?
90 out of 100 (Very 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 #5197 in the FDIC failed bank list.
How many branches does Community First Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Menahga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trustar Federal Credit UnionCredit union International F, MN | 88 out of 100, Very strong | $376.7M | 15.4% | 0.36% | vs |
| First National Bank NorthBank Walker, MN | 85 out of 100, Very strong | $864.3M | 12.1% | 0.23% | vs |
| Wadena State BankBank Wadena, MN | 81 out of 100, Strong | $206.6M | 9.8% | 0.04% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| Northview BankBank Sandstone, MN | 74 out of 100, Strong | $469.7M | 10.8% | 0.46% | vs |
| The Citizens National Bank of Park RapidsBank Park Rapids, MN | 72 out of 100, Strong | $397.0M | 11.7% | 1.10% | vs |