2026-04-07T14:46:27-04:00 2025-06-30 841739458 EMC CPAS LLC 36 E KING ST LANCASTER PA 17602 990 2024-07-01 200185800 COMMUNITY FIRST CAPITAL CORP COMM 7173932351 PO BOX 524 LANCASTER PA 176080524 DARIO BELLOT CFO ('25-'26) 7173932351 2026-04-01 true true THOMAS A WOBBER CPA P01276864 7173930767 2026-04-01 X 2024 2025-03-06 01:10:19Z EXTENSION GRANTED UNTIL 5152026 JOAN BRODHEAD PO BOX 524 LANCASTER PA 176080524 598382 false X N/A X 2003 PA TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT. 5 5 0 0 0 662064 598382 0 0 662064 598382 0 0 0 0 8 528988 348545 528988 348545 133076 249837 8792864 8330521 6292864 5830521 2500000 2500000 X TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT. false false 141858 598382 COMMUNITY FIRST CAPITAL CORP MAKES COMMUNITY BUSINESS AND REDEVELOPMENT LOANS, INCLUDING LOANS THAT MAY BE GUARANTEED BY THE U.S. SMALL BUSINESS ADMINISTRATION (SBA). IN MARCH 2020 IN RESPONSE TO THE COVID-19 PANDEMIC, THE ORGANIZATION SHIFTED ITS EFFORTS TO PROMOTION OF THE SBA PAYCHECK PROTECTION PROGRAM (PPP) TO BUSINESSES LOCATED IN LOW-INCOME COMMUNITIES AND OWNED BY PEOPLE OF COLOR. AS OF JUNE 30, 2025, THE ORGANIZATION HAS 83 LOANS OUTSTANDING INCLUDING 3 PPP LOANS. THE TOTAL LOANS OUTSTANDING AT JUNE 30, 2025 IS 7,319,646 INCLUDING ACCRUED INTEREST AND LOAN FEES. 141858 true false false false false false false false false false false false false false true true false true false false false false false false false false false false false true false false false false false false false false false false false false false true true true false false true 0 0 0 false false false false false false false false false false false false X 5 5 false false false false false false false true true false false true true true true true true true true false X X THE ORGANIZATION 7173932351 51 SOUTH DUKE STREET LANCASTER PA 17602 JOAN BRODHEAD DIRECTOR 1.00 48.00 X X 0 208549 29202 DRAGAN DODIK DIRECTOR 1.00 40.00 X X 0 187621 34777 ED GALLAGHER PRESIDENT 1.00 40.00 X X 0 197850 7829 ELIZABETH BENNETT TREASURER 1.00 45.00 X X 0 180091 12309 JOSHUA DRUCE SECRETARY 1.00 40.00 X X 0 107945 23822 882056 107939 false true false INTEREST INCOME 522200 565580 565580 LOAN AND SERVICE FEES 522200 32802 32802 598382 598382 598382 169288 49940 119348 87325 87325 LOAN LOSS PROVISION 90914 90914 BANK FEES 10886 10886 INSURANCE 105 91 6 8 FILING FEES -9973 -9973 348545 141858 206679 8 2473449 1010875 6319415 7319646 8792864 8330521 13292 38432 6279572 5792089 6292864 5830521 X 2500000 2500000 2500000 2500000 8792864 8330521 X 249837 -249837 X false true X true false X X X 1 COMMUNITY FIRST FUND COMMUNITY FIRST FUND 232689714 7 true 0 0 1 0 true false false false false false false false false false false false false false false true false RELATED PARTY PAYABLE 5792089 5792089 X SCHEDULE D, PAGE 3, PART X THE ORGANIZATION HAS EVALUATED THE TAX FILINGS FOR THE OPEN TAX YEARS FOR UNCERTAIN TAX POSITIONS. THE TAX YEARS SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE ARE 2021, 2022, 2023, AND 2024. THE TAX YEARS SUBJECT TO EXAMINATION BY THE STATE JURISDICTION ARE UNLIMITED. X false false false false false false false false false JOAN BRODHEAD DIRECTOR 208549 4472 24730 237751 DRAGAN DODIK DIRECTOR 187621 34777 222398 ED GALLAGHER PRESIDENT 197850 7829 205679 ELIZABETH BENNETT TREASURER 180091 12309 192400 FORM 990 - ORGANIZATION'S MISSION TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT. FORM 990, PAGE 6, PART VI, LINE 11B THE FORM 990 IS REVIEWED BY THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PAGE 6, PART VI, LINE 12C THE POLICY IS MONITORED AND ENFORCED THROUGH THE ANNUAL CONFLICT OF INTEREST DISCLOSURE PROCESS. FORM 990, PAGE 6, PART VI, LINE 15A THE ORGANIZATION DOES NOT PAY ANY COMPENSATION. FORM 990, PAGE 6, PART VI, LINE 15B THE ORGANIZATION DOES NOT PAY ANY COMPENSATION. FORM 990, PAGE 6, PART VI, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST AT THE ORGANIZATION'S HEADQUARTERS. FORM 990, PART XI, LINE 9 TRANSFERS TO COMMUNITY FIRST FUND -249,837 COMMUNITY FIRST FUND PO BOX 524 LANCASTER PA 176080524 232689714 LENDING PA 501C3 7 NA false FINANTA 1301 NORTH 2ND STREET PHILADELPHIA PA 19122 232857766 LOANS PA 501C3 10 COMMUNITY FIRST FUND false false false true true false false false false false false false false true true true false false true false COMMUNITY FIRST FUND B 249836 TRANSFER OF CAPITAL COMMUNITY FIRST FUND E 487483 DECR NOTE PAYABLE COMMUNITY FIRST FUND E 5792089 AMT DUE ON NOTE-YR END COMMUNITY FIRST FUND M 218438 FMV-MGMT FEE COMMUNITY FIRST FUND N COMMUNITY FIRST FUND O COMMUNITY FIRST FUND R 87325 FMV-INTEREST EXPENSE