Community First Bank of Indiana
BankRegReports is independent of Community First Bank of Indiana and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community First Bank of Indiana is an FDIC-insured commercial bank headquartered in Kokomo, IN, established in 2003 (FDIC certificate 57511), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $980.3M, up 10.3% from Q2 2025, the 21st largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 9.85% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57511
- Headquarters
- Kokomo, IN
- Established
- 2003
- Total assets, Q2 2026
- $980.3M
- Assets vs Q2 2025
- +10.3%
- CET1 ratio, Q2 2026
- 9.85%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074914407
- Latest call report
- Q2 2026, FFIEC 051 · Community First Bank of Indiana call report
- Holding company
- COMMUNITY FIRST FINANCIAL CORPORATION
- Asset rank in state
- 21st of 87 in Indiana
Problem loans are rising at Community First Bank of Indiana. Its balance sheet stood at $980 million at June 30, 2026, up 10.3% from a year earlier; it is based in Kokomo, Indiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.68% a year earlier. It keeps 6.94 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 9.85% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
The commercial and industrial book ($127 million) is worsening: 7.66% of it is past due or on nonaccrual, up from 3.67% a year earlier. Net income for the quarter slipped 11% from a year earlier, to $3.0 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Community First Bank of Indiana reported a CET1 capital ratio of 9.85%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 14.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community First Bank of Indiana is the 21st largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $980.3M, loans rose 1.8% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 20.3% of total loans, followed by construction and land development loans at 19.7%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Kokomo 3 offices book 81% of its branch deposits. On its Q2 2026 call report, Community First Bank of Indiana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Sycamore St, Kokomo, IN 46901
- County
- Howard
- Metro Area
- Kokomo, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 2003
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 244
- Domestic deposits
- $814.1M
- Allowance for credit losses
- $14.9M
- Net charge-offs (YTD)
- $892K
- Average total assets
- $915.9M
- Average total loans
- $806.1M
- Average interest-bearing deposits
- $676.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 2003
- FDIC Cert
- 57511
- Fed RSSD
- 3165357
- SEC CIK
- 1478358 → filed by COMMUNITY FIRST FINANCIAL CORPORATION
- Website
- www.cfbindiana.com →
- Parent Holding Company
- COMMUNITY FIRST FINANCIAL CORPORATION (RSSD 3921816)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community First Bank of Indiana's total assets moved between a low of $723.1M (Q3 2023) and a high of $980.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$980.3M total assets against $889.1M; $873.2M total liabilities against $781.4M.
$796.4M net loans and leases against $723.8M; $814.1M total deposits against $737.2M.
$11.4M securities against $10.7M; $98.8M cash and balances due against $93.0M.
$20.7M total interest income against $19.3M; $5.6M total interest expense against $5.4M.
$15.2M net interest income against $14.0M.
$1.9M total noninterest income against $1.6M; $11.3M total noninterest expense against $10.7M.
$2.2M provision for credit losses against $376K.
$3.0M net income against $3.3M.
1.29% return on assets against 1.56%; 6.94% net interest margin against 7.06%.
9.85% CET1 capital ratio against 10.33%; 9.92% tier 1 leverage ratio against 10.19%.
Inside the full Community First Bank of Indiana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community First Bank of Indiana rankings
Its closest position to the top of a national ranking is 338 of 3,640, for Texas Ratio; its furthest is 2,108 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.11% (Q1 2026) to 1.56% (Q2 2025) and its net interest margin ran from 6.52% (Q1 2025) to 7.34% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.85% | 1.29% | 1.32% | 14.28% | 6.94% |
| Q1 2026 | 10.24% | 1.11% | 1.38% | 14.73% | 6.53% |
| Q4 2025 | 10.39% | 1.28% | 2.02% | 15.52% | 6.85% |
| Q3 2025 | 10.27% | 1.54% | 0.86% | 6.88% | 7.34% |
| Q2 2025 | 10.33% | 1.56% | 0.68% | 5.25% | 7.06% |
| Q1 2025 | 10.39% | 1.53% | 0.59% | 4.69% | 6.52% |
| Q4 2024 | 10.35% | 1.37% | 0.73% | 5.68% | 7.27% |
| Q3 2024 | 9.99% | 1.55% | 0.64% | 4.64% | 6.63% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community First Bank of Indiana (main office) | Kokomo , IN | 46901 | $401.2M |
| Dixon Road Branch | Kokomo , IN | 46902 | $156.3M |
| Hoffer Street Branch | Kokomo , IN | 46902 | $102.6M |
| Westfield Branch | Westfield , IN | 46074 | $86.7M |
| Pebble Village Branch | Noblesville , IN | 46062 | $33.0M |
| South Junction | Westfield , IN | 46074 | $25.3M |
| One Concourse Branch | Indianapolis , IN | 46256 | $8.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IN, rank 37 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 189 applications, 148 loans originated, $56.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $4.7M approved, $472K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Community First Bank of Indiana’s latest filed figures and updates each quarter.
Similar banks
Compare Community First Bank of Indiana with peers
Frequently asked about Community First Bank of Indiana
What are Community First Bank of Indiana's total assets?
As of the Q2 2026 filing, Community First Bank of Indiana reported total assets of $980.3 million in its FFIEC call report.
Where is Community First Bank of Indiana headquartered?
It is headquartered in Kokomo, IN, United States.
When was Community First Bank of Indiana founded?
It was established in 2003, per the FDIC institution directory.
Is Community First Bank of Indiana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First Bank of Indiana?
Community First Bank of Indiana's primary federal regulator is the FDIC.
What is Community First Bank of Indiana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.85% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Community First Bank of Indiana operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community First Bank of Indiana's Texas Ratio?
Its Texas Ratio is 14.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Community First Bank of Indiana.
Get an email when Community First Bank of Indiana files its next call report, and benchmark it against any peer you choose.
Unlock Community First Bank of Indiana, freeFree account