Community First Banking Company
West Plains, MO
IDRSSD: 2615220
Total Assets
$301.73M
Latest filing
Total Deposits
$257.41M
Latest filing
Net Interest Margin
3.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community First Banking Company
1330 Southern Hills Ctr
West Plains, MO 65775
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/13/1997FDIC Certificate 60833
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community First Banking Company (Main) | 1330 Southern Hills Ctr | West Plains, MO |
| THAYER BRANCH | 220 E Walnut St | Thayer, MO |
| WEST PLAINS BRANCH | 1220 Porter Wagoner Blvd | West Plains, MO |
| MOUNTAIN GROVE BRANCH | 603 N Main St | Mountain Grove, MO |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/13/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65775 |
| State and County Number | 29091 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | West Plains, MO |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/13/1997 |
| Primary Insurance Agency | DIF |
| Website | www.cfbankco.com |
| Data Updated | 11/14/2025 |
| CERT | 34610 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $301.73M |
| Total Deposits | $257.41M |
| Total Liabilities | $274.44M |
| Total Equity Capital | $27.28M |
| Net Income | $1.12M |
| Net Loans and Leases | $218.55M |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $3.35M |
| Cash and Balances due from Depository Institutions | $27.89M |
| Deposits Held in Domestic Offices | $257.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 17.03% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 59.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.042% |
| Earning Assets to total Assets | 93.54% |
Income and Expense
| Total Interest Income | $4.00M |
| Total Noninterest Income | $458.00k |
| Total Interest Expense | $1.54M |
| Total Noninterest Expense | $1.74M |
| Net Interest Income | $2.46M |
| Pre-tax Net Operating Income | $1.12M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.61M |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.03M |
| Total Liabilities and Capital | $301.73M |
Securities
| Securities | $40.09M |
| Available-for-sale debt securities | $40.09M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community First Banking Company?
$301.73M as of the latest filing.
How much are Community First Banking Company's total deposits?
$257.41M in total deposits.
Where is Community First Banking Company located?
West Plains, MO.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
4.
When was it established?
11/13/1997.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$218.55M (latest filing).
What is the total interest income (latest filing)?
$4.00M.