TellerScore

Headquartered in Manhattan, Kansas, Community First National Bank is a national bank with $374.7M in total assets and $326.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2001.

Based on its Q2 2026 filing, Community First National Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 78th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is funding & liquidity (49/100; 88% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.94%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 88.1% · 35.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.26%

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 15 points (62 → 77), mostly because the loan quality component improved by 43 points.

TellerScore
586877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202461
Q4 202461
Q1 202561
Q2 202562
Q3 202564
Q4 202562
Q1 202674
Q2 202677
Tier 1 leverage ratio
5.00%7.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.66%
Q3 202410.59%
Q4 202410.74%
Q1 202510.72%
Q2 202510.48%
Q3 202510.67%
Q4 202510.90%
Q1 202610.64%
Q2 202610.94%
Noncurrent loans
0.13%0.96%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.79%
Q3 20241.59%
Q4 20241.52%
Q1 20251.49%
Q2 20251.51%
Q3 20251.48%
Q4 20251.62%
Q1 20260.13%
Q2 20260.20%
Return on assets
1.49%1.68%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.53%
Q3 20241.62%
Q4 20241.63%
Q1 20251.49%
Q2 20251.68%
Q3 20251.72%
Q4 20251.71%
Q1 20261.70%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$374.7M10.94%0.20%1.88%88.1%
Q1 202674$367.0M10.64%0.13%1.70%90.6%
Q4 202562$362.1M10.90%1.62%1.71%89.5%
Q3 202564$363.5M10.67%1.48%1.72%86.2%
Q2 202562$356.9M10.48%1.51%1.68%86.8%
Q1 202561$352.4M10.72%1.49%1.49%89.4%
Q4 202461$341.1M10.74%1.52%1.63%91.1%
Q3 202461$349.1M10.59%1.59%1.62%88.7%
Q2 202458$336.7M10.66%1.79%1.53%92.5%

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 ratio10.94%
49th
Total risk-based capital14.34%
64th
Problem loans0.20%
65th
Net charge-offs-0.01%
87th
Return on assets1.88%
84th
Net interest margin4.00%
53rd
Efficiency ratio63.0%
48th
Loans to deposits88.1%
31st
Uninsured deposits35.6%
16th
Loan-loss reserves1.70%
87th
Texas ratio1.3%
66th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Golden Belt Bank, FSABank Hays, KS68 out of 100, Moderate$373.5M10.1%0.41%vs
Bank of HaysBank Hays, KS75 out of 100, Strong$379.2M10.0%0.47%vs
ESB FinancialBank Emporia, KS59 out of 100, Moderate$381.3M9.1%1.58%vs
Guaranty State Bank and Trust CompanyBank Beloit, KS72 out of 100, Strong$381.4M11.6%0.60%vs
Commercial BankBank Parsons, KS62 out of 100, Moderate$382.2M8.3%0.72%vs
The Farmers State Bank of Oakley, KansasBank Oakley, KS76 out of 100, Strong$396.1M11.6%0.01%vs

Deposit insurance

Is my money safe at Community First National Bank?

Yes. Community First National Bank is an FDIC-insured institution (FDIC certificate #35585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($116.3M) 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 10.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.34% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community First National Bank lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community First National Bank reported 529 home-loan applications under HMDA (LEI 549300KR4ZW8KJC82O47): 433 originated ($151,035,000 total), 18 denied, and 76 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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 National Bank
Type
National bank
FDIC certificate #
35585
RSSD ID
2907019
Primary regulator
OCC
Holding company
Ttac Corp
Established
February 1, 2001
Headquarters
215 S Seth Child Rd, Manhattan, KS 66502
Employees
68

Quick answers

Community First National Bank: common questions

Is Community First National Bank FDIC insured?

Yes. Community First National Bank is an FDIC-insured institution (FDIC certificate #35585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community First National Bank's TellerScore?

77 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 National Bank ever failed?

There is no failure record for FDIC certificate #35585 in the FDIC failed bank list.

How many branches does Community First National Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Manhattan

InstitutionScoreAssetsCapitalProblem loansCompare
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs