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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Manhattan, KS · FDIC certificate #35585
COMMUNITY FIRST NB is an FDIC-insured institution based in Manhattan, KS (FDIC certificate #35585). In its Q3 2026 Call Report it reported total assets of $409M, total deposits of $361M and net loans of $298M. Its primary federal regulator is OCC.
Plain-language readout
COMMUNITY FIRST NB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $409M in Q3 2026 and were lowest at $367M in Q1 2026.
Total deposits were highest at $361M in Q3 2026 and lowest at $321M in Q1 2026.
Over the whole period total assets rose 11.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $409M | $361M | $298M | 2.07% | 19.42% | 4.07% |
| Q2 2026 | $375M | $327M | $288M | 1.88% | 17.39% | 4.00% |
| Q1 2026 | $367M | $321M | $291M | 1.70% | 15.70% | 4.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $69.0M | $54.7M | +$14.4M | +26.3% |
| Federal funds sold | $551K | $1.7M | -$1.2M | -68.0% |
| 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) | $8.4M | $6.9M | +$1.5M | +21.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $2.6M | $9.2M | -$6.5M | -71.2% |
| Net loans and leases (after allowance) | $285.2M | $281.5M | +$3.7M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.3M | $4.4M | -$31K | -0.7% |
| Other real estate owned | $0K | $4.4M | -$4.4M | -100.0% |
| 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 | $4.5M | $4.3M | +$273K | +6.4% |
| Total assets | $374.7M | $367.0M | +$7.7M | +2.1% |
| Liabilities | ||||
| Total deposits | $326.7M | $320.9M | +$5.8M | +1.8% |
| 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 | $3.3M | $3.4M | -$73K | -2.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.0M | $3.9M | +$80K | +2.0% |
| Total liabilities | $334.0M | $328.2M | +$5.9M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $5.5M | $5.5M | $0K | 0.0% |
| Retained earnings | $33.7M | $31.8M | +$1.8M | +5.8% |
| Accumulated other comprehensive income | -$48K | -$44K | -$4K | -9.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.6M | $38.8M | +$1.8M | +4.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $575K | $4.7M | -$4.2M | -87.9% |
| Adjusted nonperforming assets | $575K | $4.7M | -$4.2M | -87.9% |
| Tangible equity plus allowance | $45.6M | $43.7M | +$1.9M | +4.3% |
| Texas ratio (gross) | 1.26% | 10.86% | -9.60 pts | See points |
| Texas ratio (adjusted) | 1.26% | 10.86% | -9.60 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.08% | 12.38% | +0.71 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.08% | 12.38% | +0.71 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 | 14.34% | 13.63% | +0.71 pts | See points |
| Tier 1 leverage (approximate) | 10.94% | 10.64% | +0.31 pts | See points |
| Construction and land loans to total capital | 40.03% | 36.83% | +3.20 pts | See points |
| Commercial real estate to total capital | 223.24% | 227.13% | -3.89 pts | See points |
| Dividend payout, year to date | 80.29% | 174.90% | -94.61 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.16% | -0.15% | -0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $300.6M | $294.8M | +$5.8M | +2.0% |
| Non-core funding | $29.5M | $29.5M | +$4K | +0.0% |
| Loans to core deposits | 96.54% | 97.17% | -0.63 pts | See points |
| Loans to deposits | 88.82% | 89.28% | -0.46 pts | See points |
| Brokered deposits share of deposits | 0.95% | 0.96% | -0.01 pts | See points |
| Pledged securities share of securities | 76.42% | 100.00% | -23.58 pts | See points |
| Loans pledged, share of loans | 4.00% | 3.96% | +0.04 pts | See points |
| Volatile liabilities | $30.3M | $33.3M | -$3.0M | -9.0% |
| Earnings | ||||
| Earnings before provision, year to date | $4.0M | $1.9M | +$2.1M | +112.3% |
| Earnings before provision, single quarter | $2.1M | $1.9M | +$233K | +12.3% |
| Provision for credit losses, year to date | $104K | $46K | +$58K | +126.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.25% | 6.21% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.94% | 3.90% | +0.04 pts | See points |
| Total interest income to average assets | 5.61% | 5.60% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.46% | 1.20% | +0.26 pts | See points |
| Cost of savings and money market deposits | 1.73% | 1.71% | +0.02 pts | See points |
| Cost of time deposits | 4.06% | 4.06% | -0.00 pts | See points |
| Total interest expense to average assets | 1.79% | 1.73% | +0.06 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 | $409M | $361M | $298M | 2.07% | 19.42% | 4.07% |
| 2026-06-30 | $375M | $327M | $288M | 1.88% | 17.39% | 4.00% |
| 2026-03-31 | $367M | $321M | $291M | 1.70% | 15.70% | 4.03% |
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 |
|---|---|---|---|---|
| KS | $312.8M | 0.31% | 74 | Continuing · +0.01 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.