Community First Bank of Indiana: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common stock surplus: 18.4% lower than in Q1 2026, at $16.3M. Community First Bank of Indiana has the 1st lowest CET1 ratio of the 50 banks headquartered in Indiana, at 9.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community First Bank of Indiana sits 5.22 points lower, at 9.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.85% |
| Tier 1 risk-based capital ratio | 9.85% |
| Total risk-based capital ratio | 11.56% |
| Tier 1 leverage ratio | 9.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $89.5M |
| Tier 1 capital | $89.5M |
| Total risk-based capital | $105.1M |
| Total equity capital | $103.0M |
| Risk-weighted assets | $909.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 9.26% |
| Equity capital to average assets | 11.24% |
| Internal capital growth rate | 6.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $16.3M |
| Retained earnings | $85.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 8.77% | 8.77% | 10.75% | 8.39% | $678.9M |
| Q4 2023 | 9.91% | 9.91% | 11.96% | 9.73% | $691.2M |
| Q1 2024 | 10.06% | 10.06% | 12.23% | 9.69% | $696.4M |
| Q2 2024 | 9.98% | 9.98% | 12.26% | 9.71% | $721.1M |
| Q3 2024 | 9.99% | 9.99% | 12.29% | 9.75% | $742.0M |
| Q4 2024 | 10.35% | 10.35% | 12.64% | 10.19% | $776.9M |
| Q1 2025 | 10.39% | 10.39% | 12.74% | 10.01% | $803.5M |
| Q2 2025 | 10.33% | 10.33% | 12.67% | 10.19% | $827.7M |
| Q3 2025 | 10.27% | 10.27% | 12.64% | 10.21% | $851.7M |
| Q4 2025 | 10.39% | 10.39% | 12.90% | 10.20% | $862.9M |
| Q1 2026 | 10.24% | 10.24% | 12.51% | 10.36% | $895.0M |
| Q2 2026 | 9.85% | 9.85% | 11.56% | 9.92% | $909.0M |
Community First Bank of Indiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of Indiana, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community First Bank of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57511) · FFIEC NIC profile (RSSD 3165357)