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Community First Bank loans review

You can find SBA loans and the basics — but not much else — with this Kansas City bank.

Bottom line: Small business owners can find the basics with this lender. But with limited branches and banking options, a larger community bank could be a better choice.

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Business lines of credit, SBA loans, commercial real estate loans, auto loans, home equity loans, mortgages

Types of loans available


Online applications


Types of loans availableBusiness lines of credit, SBA loans, commercial real estate loans, auto loans, home equity loans, mortgages
Online applicationsNo
Number of branches3
Branch hoursVaries by branch; 9 a.m. to 4 p.m. Monday through Thursday, 9 a.m. to 5 p.m. Fridays, 9 a.m. to 12 p.m. Saturdays at Parallel Parkway branch
Customer service hoursNot stated
Customer service optionsPhone, email form on website
Mobile appNo
Routing number101001005

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Kansas City has the basics for small businesses at Community First Bank — and a staff that knows the local market well. But a three-branch bank with only a few business loan options and a dated website might not cut it for business owners looking for a more convenient experience. Especially if you want to avoid in-person meetings.

Banks this size are often vulnerable to buyouts, which means that your banking experience might dramatically change after you open an account. You might want to stick with a slightly larger provider in your area or look into options available online.

What is Community First Bank?

There are several community Community First Banks across the country. This review is about the Community Bank in Kansas City, Kansas. It's small, even for a local bank with only three locations and a limited website. To get the most out of this bank, stop by a branch or schedule a meeting with a banker.

What types of loans does Community First Bank offer?

Community First Bank offers a basic selection of loans for business and personal use.

  1. Business lines of credit. Access to cash as needed to cover working capital expenses like inventory, equipment or accounts receivables.
  2. SBA loans. Community First Bank offers loans through the Small Business Administration (SBA) 7(a), 504 and low doc programs — plus assistance with the application process.
  3. Business real estate loans. Financing for a wide range of real estate-related expenses, including:
    • Buying an office, storefront or storage.
    • Land development.
    • Construction.
  4. Auto loans. Loans for new and used cars that you can use like cash at a dealership.
  5. Home equity loans. Borrow against the value of your home for home improvements or any other personal expense — including paying for college.
  6. Mortgages. Work with a mortgage specialist to guide you through the home-buying and financing process.

How does borrowing with Community First Bank work?

All loan applications are in person or over the phone. Community First Bank has a limited website, so you'll have to call a branch and set up an appointment with a loan officer to apply for a loan.

In-person loan applications can take several weeks, especially if you're applying for government-backed financing. But you'll have the advantage of a loan officer to guide you through the process and answer any questions that you might have.

How do I get started?

You can get started on your application by filling out a form on the website or setting up an appointment at a branch. Here's how to do so online.

  1. Go to the Community First Bank website.
  2. Click Contact us.
  3. Fill out the form with your contact information and select the type of loan you're interested in.
  4. Write in any questions or comments you want to ask and hit Submit.

A representative should reach out to you through your preferred method of contact to walk you through the next steps of the application process.


  • SBA loans available
  • Two branches open on Saturdays
  • Services available in Spanish


  • Branches not open outside business hours on weekdays
  • No mobile app
  • No general customer service line

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Community First Bank reviews and complaints

BBB accredited No
BBB rating NR
Customer reviews verified as of 16 November 2020

Community First Bank doesn't have any online reviews or complaints. At least not for this Community First Bank. Reviews exist for other banks with the same name, but not the bank in Kansas City. This isn't surprising for a bank of this size. To get an idea of what customer service is like with this provider, ask around to other members of your business community.

What do employees say?

Not surprisingly, this Community First Bank doesn't have any online employee reviews. Employee reviews can be a useful way to measure how likely you are to develop an ongoing relationship with one banker who knows your business inside out.

But another threat to the bank's stability is its size. Buyouts have become increasingly common in community banking. With only three branches, there's a chance a larger institution could absorb Community First Bank soon.

What other products does it offer?

Community First Bank also offers a range of other products for businesses and consumers.

  • ACH services
  • Business cash management
  • CDs
  • Checking accounts
  • Credit cards
  • IRAs
  • Merchant services
  • Savings accounts

Where does Community First Bank have branches?

Community First Bank branches are all located in the Kansas City, Kansas metropolitan area:

7th Street and Kansas Avenue

How to contact this branch:

  • Address: 650 Kansas Avenue, Kansas City, KS 66105
  • Phone: 913-371-1242
  • Fax: 913-371-7516
  • Lobby hours: 9 a.m. to 4 p.m. Monday through Thursday, 9 a.m. to 5 p.m. Friday
  • Drive-in hours: 7:30 a.m. to 5:30 p.m. Monday through Friday, 8 a.m. to 12 p.m. Saturday

Shawnee Mission Parkway

How to contact this branch:

  • Address: 10314 Shawnee Mission Parkway, Shawnee, KS 66203
  • Phone: 913-551-8075
  • Fax: 913-268-7598
  • Lobby hours: 9 a.m. to 4 p.m. Monday through Thursday, 9 a.m. to 5 p.m. Friday, 8 a.m. to 12 p.m. Saturday
  • Drive-in hours: 7:30 a.m. to 5:30 p.m. Monday through Friday, 8 a.m. to 12 p.m. Saturday

Parallel Parkway

How to contact this branch:

  • Address: 10950 Parallel Parkway, Kansas City, KS 66109
  • Phone: 913-213-5700
  • Fax: 913-213-5701
  • Lobby hours: 9 a.m. to 5 p.m. Monday through Friday, 9 a.m. to 12 p.m. Saturday
  • Drive-in hours: 7 a.m. to 5:30 p.m. Monday through Friday, 8 a.m. to 12 p.m. Saturday

Community First Bank history

Founded in 1901, Community First Bank is the oldest bank in Kansas City, Kansas. But it hasn't grown much since — and maybe that's the point. It takes pride in the fact that employees know most customers on a first-name basis.

With limited loan offerings — and few other products — another bank might be a better option as for a one-stop shop for your small business. Compare more lenders with our guide to the best business loans.

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