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
Unfavorable gap of $37.6M · efficiency ratio beats 49% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 56% | 274 / 629 | |
| Return on Equity | 10.62% | 5.38% | 9.30% | 13.28% | Beats 57% | 268 / 629 | |
| Net Interest Margin | 6.49% | 3.03% | 3.54% | 4.05% | Beats 100% | 3 / 629 | |
| Efficiency Ratio | 68.20% | 58.35% | 67.79% | 79.08% | Beats 49% | 322 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.09% | 0.46% | 1.20% | Beats 22% | 456 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 15% | 492 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 11.24% | 13.84% | 18.77% | Beats 9% | 572 / 629 | |
| Total Risk-Based Capital Ratio | 11.56% | 11.58% | 14.43% | 19.66% | Beats 25% | 473 / 629 | |
| Equity / Assets | 10.51% | 9.09% | 10.65% | 13.80% | Beats 47% | 334 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 99.65% | 67.24% | 80.90% | 93.48% | 86th pctl | 84 / 594 | |
| Loans / Assets | 82.76% | 53.31% | 67.71% | 78.15% | 87th pctl | 80 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |