TellerScore

Community First Banking Company is a state-chartered bank headquartered in West Plains, Missouri, in business for about 29 years. At the end of Q2 2026 it reported $307.3M in total assets and $262.2M in deposits, with 4 offices.

Based on its Q2 2026 filing, Community First Banking Company scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 78th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (53/100; 10.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.31%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 89.5% · 21.6% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.32%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
747576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202574
Q2 202574
Q3 202575
Q4 202576
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.55%
Q3 202410.80%
Q4 202410.44%
Q1 202510.19%
Q2 202510.20%
Q3 202510.30%
Q4 202510.64%
Q1 202610.24%
Q2 202610.31%
Noncurrent loans
0.00%0.03%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.01%
Q2 20250.05%
Q3 20250.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.03%1.25%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.07%
Q4 20241.14%
Q1 20251.32%
Q2 20251.33%
Q3 20251.39%
Q4 20251.47%
Q1 20261.47%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$307.3M10.31%0.00%1.44%89.5%
Q1 202675$310.4M10.24%0.00%1.47%84.3%
Q4 202576$303.2M10.64%0.00%1.47%87.6%
Q3 202575$301.7M10.30%0.01%1.39%84.9%
Q2 202574$301.0M10.20%0.05%1.33%83.6%
Q1 202574$293.3M10.19%0.01%1.32%84.0%
Q4 202474$286.8M10.44%0.02%1.14%84.7%
Q3 202475$276.8M10.80%0.00%1.07%87.6%
Q2 202474$269.1M10.55%0.00%1.03%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 ratio10.31%
38th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.11%
19th
Return on assets1.44%
62nd
Net interest margin3.76%
40th
Efficiency ratio57.5%
65th
Loans to deposits89.5%
27th
Uninsured deposits21.6%
58th
Loan-loss reserves0.88%
16th
Texas ratio5.3%
34th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Century Bank of the OzarksBank Gainesville, MO74 out of 100, Strong$305.3M8.8%0.19%vs
Goppert Financial BankBank Lathrop, MO76 out of 100, Strong$312.0M10.1%0.00%vs
Putnam County State BankBank Unionville, MO80 out of 100, Strong$317.6M13.5%0.62%vs
St. Johns Bank and Trust CompanyBank Saint Louis, MO47 out of 100, Below average$297.1M12.3%3.28%vs
United State BankBank Lewistown, MO80 out of 100, Strong$290.1M10.5%0.07%vs
Commercial BankBank Saint Louis, MO51 out of 100, Below average$282.9M7.9%1.00%vs

Deposit insurance

Is my money safe at Community First Banking Company?

Yes. Community First Banking Company is an FDIC-insured institution (FDIC certificate #34610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($56.5M) 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 10.31%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Community First Banking Company lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community First Banking Company
Former names
Community First National Bank of West Plains; Community First National Bank of West Plains, West Plains, Missouri
Type
State-chartered bank
FDIC certificate #
34610
RSSD ID
2615220
Primary regulator
FDIC
Holding company
Community Bancshares W Plains
Established
November 13, 1997
Headquarters
1330 Southern Hills Ctr, West Plains, MO 65775
Employees
39

Quick answers

Community First Banking Company: common questions

Is Community First Banking Company FDIC insured?

Yes. Community First Banking Company is an FDIC-insured institution (FDIC certificate #34610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community First Banking Company's TellerScore?

75 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 Banking Company ever failed?

There is no failure record for FDIC certificate #34610 in the FDIC failed bank list.

How many branches does Community First Banking Company have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Plains

InstitutionScoreAssetsCapitalProblem loansCompare
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Century Bank of the OzarksBank Gainesville, MO74 out of 100, Strong$305.3M8.8%0.19%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
South Central Missouri Credit UnionCredit union Willow Springs, MO71 out of 100, Strong$9.2M15.8%1.66%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs