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Data through Q3 2026 · 4,200 institutions
Regulatory profile
New Iberia, LA · FDIC certificate #35020
COMMUNITY FIRST BANK is an FDIC-insured institution based in New Iberia, LA (FDIC certificate #35020). In its Q3 2026 Call Report it reported total assets of $789M, total deposits of $717M and net loans of $533M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY FIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $790M in Q1 2026 and were lowest at $782M in Q2 2026.
Total deposits were highest at $719M in Q1 2026 and lowest at $707M in Q2 2026.
Over the whole period total assets fell 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $789M | $717M | $533M | 1.86% | 20.82% | 4.54% |
| Q2 2026 | $782M | $707M | $532M | 1.85% | 20.54% | 4.49% |
| Q1 2026 | $790M | $719M | $526M | 1.86% | 20.78% | 4.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $80.8M | $105.4M | -$24.6M | -23.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $140.5M | $129.3M | +$11.2M | +8.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $531.5M | $526.1M | +$5.4M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.1M | $11.2M | -$162K | -1.4% |
| Other real estate owned | $41K | $41K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $17.7M | $18.2M | -$456K | -2.5% |
| Total assets | $781.6M | $790.2M | -$8.6M | -1.1% |
| Liabilities | ||||
| Total deposits | $706.8M | $718.5M | -$11.7M | -1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $2.7M | +$630K | +23.4% |
| Total liabilities | $710.2M | $721.2M | -$11.1M | -1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.1M | $1.1M | $0K | 0.0% |
| Surplus | $48.9M | $48.9M | $0K | 0.0% |
| Retained earnings | $27.5M | $25.3M | +$2.2M | +8.8% |
| Accumulated other comprehensive income | -$6.1M | -$6.3M | +$221K | +3.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $71.4M | $69.0M | +$2.4M | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.9M | $1.9M | +$1.1M | +58.0% |
| Adjusted nonperforming assets | $2.9M | $1.9M | +$1.1M | +58.0% |
| Tangible equity plus allowance | $79.1M | $77.1M | +$2.0M | +2.6% |
| Texas ratio (gross) | 3.70% | 2.40% | +1.30 pts | See points |
| Texas ratio (adjusted) | 3.70% | 2.40% | +1.30 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.39% | 4.58% | -0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.18% | 14.20% | -0.02 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.18% | 14.20% | -0.02 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.43% | 15.45% | -0.02 pts | See points |
| Tier 1 leverage (approximate) | 9.74% | 9.65% | +0.10 pts | See points |
| Construction and land loans to total capital | 84.70% | 78.92% | +5.78 pts | See points |
| Commercial real estate to total capital | 310.50% | 310.43% | +0.06 pts | See points |
| Dividend payout, year to date | 41.56% | 45.01% | -3.45 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.84% | -8.36% | +0.52 pts | See points |
| Liquidity | ||||
| Core deposits | $646.7M | $660.8M | -$14.1M | -2.1% |
| Non-core funding | $60.1M | $57.7M | +$2.4M | +4.1% |
| Loans to core deposits | 83.37% | 80.84% | +2.53 pts | See points |
| Loans to deposits | 76.28% | 74.35% | +1.93 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 33.98% | 38.71% | -4.74 pts | See points |
| Loans pledged, share of loans | 44.25% | 48.64% | -4.38 pts | See points |
| Volatile liabilities | $60.1M | $57.7M | +$2.4M | +4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $7.4M | $3.7M | +$3.8M | +102.0% |
| Earnings before provision, single quarter | $3.8M | $3.7M | +$72K | +2.0% |
| Provision for credit losses, year to date | $300K | $120K | +$180K | +150.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.51% | 6.39% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 3.61% | +0.01 pts | See points |
| Total interest income to average assets | 5.46% | 5.34% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.90% | 0.90% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.88% | 1.82% | +0.06 pts | See points |
| Cost of time deposits | 3.06% | 3.12% | -0.06 pts | See points |
| Total interest expense to average assets | 1.26% | 1.26% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $789M | $717M | $533M | 1.86% | 20.82% | 4.54% |
| 2026-06-30 | $782M | $707M | $532M | 1.85% | 20.54% | 4.49% |
| 2026-03-31 | $790M | $719M | $526M | 1.86% | 20.78% | 4.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| LA | $651.6M | 0.49% | 31 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.