Kokomo, IN · Cert 57511 · Community First Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Kokomo, IN · 2026 SOD (annual) · 33.0% share · #1 of 8 inst. · $0.7B of $2.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.49% | 1.24% | 1.06% | 1.22% | -30 bps | |
| Return on Equity | 13.61% | 13.44% | 11.20% | 9.65% | 11.39% | -221 bps | |
| Net Interest Margin | 6.66% | 7.25% | 6.71% | 6.38% | 6.73% | +7 bps | |
| Efficiency Ratio | 68.73% | 63.70% | 65.60% | 70.36% | 66.21% | -252 bps | |
| Non-Interest Burden | 4.27% | 4.23% | 4.03% | 4.19% | 4.10% | -17 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 / Loans | 0.68% | 0.86% | 2.02% | 1.38% | 1.32% | +64 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.01% | 0.27% | 0.17% | +15 bps | |
| Allowance / Loans | 1.44% | 1.46% | 1.63% | 1.63% | 1.84% | +39 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.7x | 0.8x | 1.2x | 1.4x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.19% | 10.21% | 10.20% | 10.36% | 9.92% | -27 bps | |
| Total Risk-Based Capital | 12.67% | 12.64% | 12.90% | 12.51% | 11.56% | -111 bps | |
| Equity / Assets | 11.07% | 11.06% | 11.02% | 10.88% | 10.51% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.62% | 100.86% | 100.63% | 100.80% | 99.65% | +3 bps | |
| Liquid Assets / Assets | 8.29% | 6.64% | 8.61% | 8.60% | 8.13% | -16 bps | |
| CRE / Total Capital | n/a | 545% | 536% | 554% | n/a | n/a | |