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Community First Bank of Indiana

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

Kokomo, IN

7 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +10.4% year over year ($814.1M on the books).
  • Delinquency rate 1.35%.
  • Return on assets 1.14%.
  • Efficiency ratio 68.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.82% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (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 2.72% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 30.0% in tier
  • - NIB Deposit Bleed: Bottom 58.6% in tier
  • - Efficiency Ratio 3.72% above tier average
  • - Delinquency Rate 0.43% above tier average
Get updates when Community First Bank of Indiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $980.3M
+10.3% YoY +1.6% QoQ
+$593.7M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Top 0.8% in tier
Total Loans ? $796.4M
+10.0% YoY +1.5% QoQ
+$538.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Top 0.3% in tier
Total Deposits ? $814.1M
+10.4% YoY +2.9% QoQ
+$487.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Top 1.5% in tier
Return on Assets ? 1.14%
-25.1% YoY +7.9% QoQ
-0.18% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 6.71%
-1.2% YoY +3.0% QoQ
+2.72% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Top 0.6% in tier
Efficiency Ratio ? 68.20%
+2.3% YoY -3.1% QoQ
+3.72% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 1.35%
+94.1% YoY -4.2% QoQ
+0.43% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 97.82%
-0.4% YoY -1.3% QoQ
+19.87% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
Bottom 12.7% in tier
Non-Interest-Bearing Deposit Share ? 13.00%
-16.4% YoY -4.9% QoQ
-9.03% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 1.52%
+169.6% YoY -4.7% QoQ
+0.85% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Bottom 11.7% in tier
Tier 1 Capital Ratio ? 9.85%
-4.6% YoY -3.8% QoQ
-6.06% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Bottom 8.7% in tier
Non-Interest Income / Assets ? 0.37%
-19.7% YoY +113.2% QoQ
-0.20% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 13.0%
-2.6pp YoY
-0.7pp QoQ
 -9.2pp 22.1% 16.8% 22.2% 17%
Brokered Deposits 11.0%
-1.9pp YoY
-1.0pp QoQ
 +3.1pp 7.9% 7.2% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 16.0%
+0.3pp YoY
+0.2pp QoQ
 +4.4pp 11.6% 11.1% 12.5% 79%
CRE 64.6%
+1.2pp YoY
-0.1pp QoQ
 +25.0pp 39.5% 36.2% 41.4% 89%
1-4 Family 19.4%
-0.5pp YoY
0.0pp QoQ
 -13.2pp 32.6% 40.0% 31.3% 29%
Consumer 0.9%
-0.7pp YoY
-0.1pp QoQ
 -3.2pp 4.1% 3.2% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 9.8%
-0.5pp YoY
-0.4pp QoQ
 -9.0pp 18.8% 17.5% 19.7% 2%
Leverage Ratio 9.9%
-0.3pp YoY
-0.4pp QoQ
 -2.2pp 12.2% 13.0% 12.6% 29%
Total Capital Ratio 11.6%
-1.1pp YoY
-1.0pp QoQ
 -8.4pp 19.9% 18.7% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 244
+28 (+13.0%) YoY
-3 (-1.2%) QoQ
 +185 58 237 482 99%
Assets per Employee ($) $4.0M
-2.4% YoY
+2.8% QoQ
 -$3.5M $7.5M $7.5M $8.8M 5%
Branch Count 7
-1 (-12.5%) YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 23%
Nonaccrual 1.3%
+0.7pp YoY
-0.1pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 79%
Allowance Coverage 1.39x
-34.2% YoY
+17.7% QoQ
 -22.76x 24.15x 6.71x 20.23x 37%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 10.6%
-3.1pp YoY
+0.9pp QoQ
 -1.6pp 12.2% 11.2% 11.6% 40%
Cost of Funds (YTD) 2.5%
-0.1pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 90%
Net Income ($, YTD) $5.5M
-16.5% YoY
— QoQ
 +$2.9M $2.6M $16.3M $40.4M 90%

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
#93 of 307 • Bottom 30.0% 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: 1.14%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline
#96 of 162 • Bottom 58.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.00%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

9
Total Loans
size
Value: $796.42M
Peer Median: $258.35M
#9 of 2643 Top 0.3% in $100M-$1B
18
Net Interest Margin
profitability
Value: 6.71%
Peer Median: 3.99%
#18 of 2643 Top 0.6% in $100M-$1B
22
Total Assets
size
Value: $980.30M
Peer Median: $386.57M
#22 of 2643 Top 0.8% in $100M-$1B
40
Total Deposits
size
Value: $814.14M
Peer Median: $326.73M
#40 of 2643 Top 1.5% in $100M-$1B
475
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#475 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (5 metrics)

2413
Tier 1 Capital Ratio
capital
Value: 9.85%
Peer Median: 15.91%
#2413 of 2643 Bottom 8.7% in $100M-$1B
2334
Nonperforming Asset Ratio
credit_quality
Value: 1.52%
Peer Median: 0.67%
#2334 of 2643 Bottom 11.7% in $100M-$1B
2309
Loan-to-Deposit Ratio
liquidity
Value: 97.82%
Peer Median: 77.95%
#2309 of 2643 Bottom 12.7% in $100M-$1B
2182
Non-Interest-Bearing Deposit Share
funding
Value: 13.00%
Peer Median: 22.03%
#2182 of 2643 Bottom 17.5% in $100M-$1B
2084
Delinquency Rate
credit_quality
Value: 1.35%
Peer Median: 0.92%
#2084 of 2633 Bottom 20.9% in $100M-$1B
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