COMMUNITY FIRST BANKING COMPANY

WEST PLAINS, MO · Supervised by FDIC

Est. 1997FDIC #34,610RSSD: FDIC-34610

Part ofCOMMUNITY BANCSHARES W PLAINS→ View all charters

Outstanding Same

Current rating · Exam: April 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Website

www.cfbankco.com

Address

1330 Southern Hills Ctr, WEST PLAINS, MO

County

Howell County

Established

November 13, 1997

Total Assets

$310M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$310M

Total Deposits

$266M

Net Loans

$224M

Net Income

$1M

ROA

1.47%

ROE

16.19%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$259M

1-Year Change

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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