COMMUNITY FIRST NATIONAL BANK

MANHATTAN, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2001FDIC #35,585

Satisfactory Same

Current rating · Exam: June 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.70%

Institution Profile

FDIC BankFind

Website

www.cfnb.bank

Address

215 S Seth Child Rd, MANHATTAN, KS

County

Riley County

Established

February 1, 2001

Total Assets

$367M(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

June 12, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$367M

Total Deposits

$321M

Net Loans

$291M

Net Income

$2M

ROA

1.70%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.70%

Risk-Based Capital

13.63%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.70%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.63%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.17%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$313M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	406	75.37%	5.17%
2022	630	73.02%	7.30%
2021	1,140	77.63%	7.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2025	Satisfactory	Small Bank
Mar 2022	Satisfactory	Small Bank
Feb 2019	Satisfactory	Small Bank

3 previous ratings locked — back to 2003

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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