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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

$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