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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.42% | 1.53% | 1.52% | 1.51% | 1.44% | 1.06% | 1.14% | -38 bps | |
| Return on Equity | 13.30% | 12.98% | 13.69% | 13.66% | 13.59% | 12.98% | 9.65% | 10.56% | -310 bps | |
| Net Interest Margin | 5.68% | 5.82% | 6.04% | 6.33% | 6.55% | 6.46% | 6.38% | 6.49% | +16 bps | |
| Efficiency Ratio | 64.24% | 64.87% | 64.57% | 66.69% | 65.60% | 65.60% | 70.36% | 68.20% | +152 bps | |
| Non-Interest Burden | 3.07% | 3.30% | 3.42% | 3.84% | 3.92% | 3.87% | 4.19% | 4.11% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 14.63% | 14.84% | 12.06% | 15.12% | 11.20% | 12.91% | 10.26% | -180 bps | |
| Loan Growth (YoY) | 10.58% | 15.94% | 18.28% | 14.87% | 15.85% | 10.71% | 10.91% | 10.47% | -440 bps | |
| Deposit Growth (YoY) | 5.42% | 13.76% | 14.72% | 14.43% | 16.30% | 11.00% | 13.20% | 10.43% | -400 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.73% | 0.59% | 0.68% | 0.86% | 2.02% | 1.38% | 1.32% | +64 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.04% | 0.03% | 0.03% | 0.03% | 0.27% | 0.22% | +19 bps | |
| Allowance / Loans | 1.49% | 1.44% | 1.43% | 1.44% | 1.46% | 1.63% | 1.63% | 1.84% | +39 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 2.4x | 2.1x | 1.7x | 0.8x | 1.2x | 1.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 10.19% | 10.01% | 10.19% | 10.21% | 10.20% | 10.36% | 9.92% | -27 bps | |
| Total Risk-Based Capital | 12.29% | 12.64% | 12.74% | 12.67% | 12.64% | 12.90% | 12.51% | 11.56% | -111 bps | |
| Equity / Assets | 10.97% | 11.07% | 11.28% | 11.07% | 11.06% | 11.02% | 10.88% | 10.51% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.25% | 100.90% | 102.88% | 99.62% | 100.86% | 100.63% | 100.80% | 99.65% | +3 bps | |
| Liquid Assets / Assets | 6.72% | 7.49% | 6.69% | 8.29% | 6.64% | 8.61% | 8.60% | 8.13% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 545% | 536% | 554% | n/a | n/a | |