Community First Bank of Indiana
Kokomo, Indiana, Howard County
$980M in total assets, the 1,089th largest of 4,309 US banks and 22nd of 89 headquartered in Indiana.
- FDIC certificate
- 57511
- Established
- 2003
- Owned by
- Community First Financial Corp
- Primary regulator
- FDIC
- Website
- www.cfbindiana.com
At a glance
Compared with 59 banks headquartered in Indiana with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $980M | 98% | $396M | |
| Loans | $811M | 98% | $265M | |
| Deposits | $814M | 98% | $339M | |
| Return on assets | 1.25% | 70% | 1.02% | |
| Net interest margin | 6.71% | 98% | 3.72% | |
| Efficiency ratio | 68.2% | 58% | 65.8% | |
| Equity to assets | 10.51% | 66% | 9.41% | |
| Loans to deposits | 100% | 93% | 82% |
Growth
Total assets grew 13.8% a year over the last 5 years and 16.1% a year over 10 years, without acquisitions.
Where they operate
7 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Howard County, IN | $660M | 33.0% | 1 of 8 |
| Hamilton County, IN | $154M | 0.5% | 20 of 32 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (4 to 7, +75.0%). 4 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2019 | Opened Westfield | 2 | 0 | +2 | 6 |
| 2022 | Opened Indianapolis | 1 | 0 | +1 | 7 |
| 2024 | Opened Indianapolis | 1 | 0 | +1 | 8 |
| 2026 through Q2 | Closed Indianapolis | 0 | 1 | −1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 20% | |
| Construction and land | 20% | 6% | |
| 1-4 family residential | 19% | 43% | |
| Business (C&I) | 16% | 9% | |
| Multifamily | 4% | 3% | |
| Consumer | 1% | 3% | |
| Farmland | 1% | 9% | |
| Agricultural | 0% | 5% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 56% | |
| Time deposits | 37% | 27% | |
| Noninterest-bearing | 13% | 17% |
Brokered deposits are 11.0% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.32% | 0.59% |
| Net charge-offs, annualized | 0.22% | 0.01% |
| Reserves to loans | 1.84% | 1.25% |
| Leverage ratio | 9.92% | 10.22% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Indiana
Largest competitors in Howard County, IN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-indiana