🏦Bank Scorer

COMMUNITY FIRST BANK, NATIONAL ASSOCIATION

FOREST, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1904FDIC #6,584
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.41%

Institution Profile

FDIC BankFind

Address

118 E Lima St, FOREST, OH

County

Hardin County

Established

October 4, 1904

Total Assets

$58M(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 5, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$58M

Total Deposits

$53M

Net Loans

$32M

Net Income

$58K

ROA

0.41%

ROE

4.63%

Risk-Based Capital

20.03%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate9.26%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$52M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202444380.36%9.26%
202357182.49%4.55%
202263661.32%1.89%
202163464.83%5.21%
202046569.89%7.53%
201952880.87%10.23%
201850287.25%6.37%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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