Close this search box.

CRA Public File

Community Reinvestment Act

At Community First Bank, we are dedicated to making a positive difference in our local communities. Our commitment extends to meeting the diverse financial needs of every segment, including low and moderate-income as well as minority areas within our service area.

We are proud to offer transparency by making information accessible for public inspection under the Community Reinvestment Act (CRA). By providing this data online, Community First Bank ensures it remains up-to-date and easily accessible to all. All content is made current as of April 1 each year.

Community First Bank Assessment Areas

Community First Bank has defined its delineated community as the entirety of Benton and Franklin Counties in Southeastern Washington state.

It is acknowledged, however, that with our focus on consumers and commercial business, that the majority of our lending focus will be centered in the communities where branches are located (Connell, Kennewick, Pasco and Richland).

Public Comments Letters

CRA eligible complaints, responses, and additional notes are provided as of April 1.

Regulatory Documents

CRA and HMDA disclosures are provided for the most current and prior two years (as applicable)

CRA Disclosures

CRA Policy Statement (PDF)
CRA Notice (PDF)

HMDA Disclosures

The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions is also available online. For more information, visit the Federal Financial Institutions Examination Council webiste: CFPB website.
Community First Bank's Legal Entity Identifier (LEI) is 5493005F145IP6JL7314

CRA Performance Evaluation

List of Services & Branch Locations


Branch Information

Hours of operation for all Community First Bank branch locations can be found on


Personal Products and Services

Personal banking products and personal lending products can be found on


Business Products and Services

Business banking products and business lending products can be found on