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Community First Bank of Indiana

Kokomo, IN · Cert 57511 · Community First Financial Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community First Bank of Indiana

Kokomo, IN · Cert 57511 · Community First Financial Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$980.3MAssets
$811.3MLoans
$814.1MDeposits
$103.0MEquity
Loan mix
83%RE $664.1M16%C&I $123.6M1%Consumer $8.1MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $708.3M13%Noninterest $105.8MQ2 2025Q2 2026

NIM

8.08%Q2 ’248.70%Q2 ’258.82%Q2 ’26+14%+3%

Non-interest income vs. expense

4.54%Q2 ’244.80%Q2 ’254.90%Q2 ’26+22%+7%

Market Position · Kokomo, IN · 2026 SOD (annual) · 33.0% share · #1 of 8 inst. · $0.7B of $2.0B

33.0% Howard
0.5% Hamilton

Executive Summary

  • Earnings: ROA of 1.14%, down 38 bps year over year; NIM at 6.49%.
  • Asset quality: problem loans at 1.32% of loans (+64 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.92%, down 27 bps from a year ago.
  • Funding: loans stand at 99.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-38 bps YoY

Net Interest Margin (YTD, annualized)

6.49%+16 bps YoY

Efficiency Ratio (YTD, annualized)

68.20%+152 bps YoY

Tier 1 Leverage Ratio

9.92%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.51%1.44%1.06%1.14%-38 bps
Return on Equity13.66%13.59%12.98%9.65%10.56%-310 bps
Net Interest Margin6.33%6.55%6.46%6.38%6.49%+16 bps
Efficiency Ratio66.69%65.60%65.60%70.36%68.20%+152 bps
Non-Interest Burden3.84%3.92%3.87%4.19%4.11%+27 bps
Growth
Asset Growth (YoY)12.06%15.12%11.20%12.91%10.26%-180 bps
Loan Growth (YoY)14.87%15.85%10.71%10.91%10.47%-440 bps
Deposit Growth (YoY)14.43%16.30%11.00%13.20%10.43%-400 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.86%2.02%1.38%1.32%+64 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.27%0.22%+19 bps
Allowance / Loans1.44%1.46%1.63%1.63%1.84%+39 bps
Allowance Coverage of NPLs2.1x1.7x0.8x1.2x1.4x-0.7x
Capital
Tier 1 Leverage Ratio10.19%10.21%10.20%10.36%9.92%-27 bps
Total Risk-Based Capital12.67%12.64%12.90%12.51%11.56%-111 bps
Equity / Assets11.07%11.06%11.02%10.88%10.51%-57 bps
Liquidity & Funding
Loans / Deposits99.62%100.86%100.63%100.80%99.65%+3 bps
Liquid Assets / Assets8.29%6.64%8.61%8.60%8.13%-16 bps
CRE / Total Capitaln/a545%536%554%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community First Bank of Indiana

Kokomo, IN · Cert 57511 · Peer group: banks under $1B in assets (n=581-629) · Community First Financial Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$980.3MAssets
$811.3MLoans
$814.1MDeposits
$103.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 100% of banks under $1B in assets (rank 3 of 629).
  • Widest gap: tier 1 capital ratio trails 91% of banks under $1B in assets (rank 572 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.12%

Rank 274 of 629

Net Interest Margin

6.49%

Rank 3 of 629

Efficiency Ratio

68.20%

Rank 322 of 629

Equity / Assets

10.51%

Rank 334 of 629

Non-interest income vs. expense

$7.2M$44.9MINCOMEEXPENSE
Unfavorable gap of $37.6M · efficiency ratio beats 49% of banks under $1B in assets
Bank 68.20%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.60%1.01%1.45%Beats 56%274 / 629
Return on Equity10.62%5.38%9.30%13.28%Beats 57%268 / 629
Net Interest Margin6.49%3.03%3.54%4.05%Beats 100%3 / 629
Efficiency Ratio68.20%58.35%67.79%79.08%Beats 49%322 / 629
Asset Quality
Nonperforming Loans / Loans1.32%0.09%0.46%1.20%Beats 22%456 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 15%492 / 581
Capital
Tier 1 Capital Ratio9.85%11.24%13.84%18.77%Beats 9%572 / 629
Total Risk-Based Capital Ratio11.56%11.58%14.43%19.66%Beats 25%473 / 629
Equity / Assets10.51%9.09%10.65%13.80%Beats 47%334 / 629
Liquidity & Funding
Loans / Deposits99.65%67.24%80.90%93.48%86th pctl84 / 594
Loans / Assets82.76%53.31%67.71%78.15%87th pctl80 / 629
Brokered Deposits / Depositsn/aNot reported for this institution