BlastPoint's Banking Scorecard

Community First Bank of Indiana

$100M-$1B Specialty: Commercial IN FDIC cert 57511

Kokomo, IN

8 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Community First Bank of Indiana has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 2.58% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 22.6% in tier
- Cost Spiral: Bottom 49.2% in tier
- Loan-to-Deposit Ratio 22.52% above tier average
- Delinquency Rate 0.52% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$965.3M +12.9% YoY +3.5% QoQ	+$579.2M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 1.1% in tier
Total Loans ?	$784.3M +10.7% YoY +3.2% QoQ	+$528.6M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 0.5% in tier
Total Deposits ?	$791.0M +13.2% YoY +3.0% QoQ	+$463.0M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 2.7% in tier
Return on Assets ?	1.06% -30.9% YoY -26.6% QoQ	-0.21%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	6.52% -0.5% YoY -7.7% QoQ	+2.58%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Top 0.8% in tier
Efficiency Ratio ?	70.36% +9.0% YoY +7.3% QoQ	+5.08%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	1.40% +134.9% YoY -31.6% QoQ	+0.52%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	99.16% -2.2% YoY +0.2% QoQ	+22.52%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 9.4% in tier
Non-Interest-Bearing Deposit Share ?	13.66% -13.0% YoY -7.3% QoQ	-8.36%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	1.60% +211.9% YoY -5.9% QoQ	+0.96%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 10.5% in tier
Tier 1 Capital Ratio ?	10.24% -1.5% YoY -1.5% QoQ	-5.59%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 12.7% in tier
Non-Interest Income / Assets ?	0.17% -40.6% YoY -79.8% QoQ	-0.11%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#70 of 305 • Bottom 22.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.06%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#63 of 126 • Bottom 49.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.36%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $784.34M

Peer Median: $255.72M

#15 of 2664 Top 0.5% in $100M-$1B

Net Interest Margin

profitability

Value: 6.52%

Peer Median: 3.93%

#21 of 2664 Top 0.8% in $100M-$1B

Total Assets

size

Value: $965.29M

Peer Median: $386.08M

#30 of 2664 Top 1.1% in $100M-$1B

Total Deposits

size

Value: $791.01M

Peer Median: $327.97M

#74 of 2664 Top 2.7% in $100M-$1B

533

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#533 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (5 metrics)

2414

Loan-to-Deposit Ratio

liquidity

Value: 99.16%

Peer Median: 76.64%

#2414 of 2664 Bottom 9.4% in $100M-$1B

2386

Nonperforming Asset Ratio

credit_quality

Value: 1.60%

Peer Median: 0.64%

#2386 of 2664 Bottom 10.5% in $100M-$1B

2327

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.83%

#2327 of 2664 Bottom 12.7% in $100M-$1B

2150

Non-Interest-Bearing Deposit Share

funding

Value: 13.66%

Peer Median: 22.02%

#2150 of 2664 Bottom 19.3% in $100M-$1B

2119

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.89%

#2119 of 2654 Bottom 20.2% in $100M-$1B