This institution is no longer active

Operations ceased on August 1, 2024. CRA examination history below reflects the period it was active.

COMMUNITY FIRST BANK, INC.

WALHALLA, SC · Supervised by FDIC

Est. 1990FDIC #32,838RSSD: FDIC-32838

Part ofCOMMUNITY FIRST BCORP→ View all charters

Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.67%

Is this bank safe?

COMMUNITY FIRST BANK, INC. holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.67%).

Institution Profile

FDIC BankFind

Address

3685 Blue Ridge Blvd, WALHALLA, SC

County

Oconee County

Established

March 12, 1990

Total Assets

$680M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2024Call Report / FDIC

Total Assets

$680M

Total Deposits

$575M

Net Loans

$499M

Net Income

$2M

ROA

0.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.39%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.67%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate22.03%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	118	61.02%	22.03%
2022	193	58.55%	15.03%
2021	150	62.67%	13.33%
2020	105	60.95%	7.62%
2019	61	63.93%	6.56%
2018	76	57.89%	7.89%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2022	Satisfactory	Intermediate Small Bank
Feb 2019	Satisfactory	Intermediate Small Bank
Jul 2016	Satisfactory	Small Bank

7 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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