Community First Bank of Indiana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank of Indiana of Kokomo, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.34% | -0.05% | 52nd above |
| ROAE | 11.39% | 13.33% | -1.94% | 44th below |
| Net Interest Margin | 6.94% | 3.93% | +3.01% | 100th top |
| Efficiency Ratio | 66.19% | 61.13% | +5.06% | 37th below |
| PPNR / Avg Assets | 2.53% | 1.68% | +0.85% | 89th top |
| Yield on Earning Assets | 9.48% | 5.67% | +3.81% | 100th top |
| Cost of Funds | 2.68% | 1.88% | +0.80% | 11th bottom |
| Net Interest Spread | 6.47% | 3.32% | +3.15% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.83% | 0.94% | +0.89% | 14th bottom |
| NPA / Total Assets | 1.94% | 0.70% | +1.24% | 8th bottom |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.84% | 1.28% | +0.56% | 91st top |
| ACL / NPLs (Coverage) | 100.61% | 1547.62% | -1447.01% | 27th below |
| Texas Ratio | 18.34% | 7.33% | +11.01% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 359.64% | 1396.36% | -1036.72% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.85% | 19.50% | -9.65% | 2nd bottom |
| Tier 1 Ratio | 9.85% | 19.53% | -9.68% | 2nd bottom |
| Total Capital Ratio | 11.56% | 20.62% | -9.06% | 5th bottom |
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 29th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.37% | -0.86% | 53rd above |
| TCE / Tangible Assets | 9.26% | 11.09% | -1.83% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.65% | 80.64% | +19.01% | 12th bottom |
| Core Deposit Ratio | 83.09% | 86.85% | -3.76% | 24th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.54% | 5.04% | -0.50% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.26% | 6.84% | +3.42% | 83rd top |
| Loan Growth (Y/Y) | 10.47% | 7.92% | +2.55% | 75th top |
| Deposit Growth (Y/Y) | 10.43% | 6.28% | +4.15% | 84th top |
See Community First Bank of Indiana's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First Bank of Indiana, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community First Bank of Indiana profile, how to read a UBPR, or how this data updates.