TellerScore

Community First Bank of Indiana is a state-chartered bank headquartered in Kokomo, Indiana, in business for about 23 years. At the end of Q2 2026 it reported $980.3M in total assets and $814.1M in deposits, with 7 offices.

Community First Bank of Indiana has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 73rd. Problem-loan coverage contributes the most (76/100, 12.2%); funding & liquidity contributes the least (39/100, 98% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.92%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.32%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 97.8% · 35.8% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (67 → 55), mostly because the loan quality component weakened by 21 points.

TellerScore
536067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202465
Q1 202566
Q2 202567
Q3 202564
Q4 202553
Q1 202656
Q2 202655
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.71%
Q3 20249.75%
Q4 202410.19%
Q1 202510.01%
Q2 202510.19%
Q3 202510.21%
Q4 202510.20%
Q1 202610.36%
Q2 20269.92%
Noncurrent loans
0.35%1.19%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.64%
Q4 20240.73%
Q1 20250.59%
Q2 20250.68%
Q3 20250.86%
Q4 20252.02%
Q1 20261.38%
Q2 20261.32%
Return on assets
1.06%1.29%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.45%
Q4 20241.42%
Q1 20251.53%
Q2 20251.52%
Q3 20251.51%
Q4 20251.44%
Q1 20261.06%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$980.3M9.92%1.32%1.14%97.8%
Q1 202656$965.3M10.36%1.38%1.06%99.2%
Q4 202553$932.7M10.20%2.02%1.44%99.0%
Q3 202564$909.6M10.21%0.86%1.51%99.4%
Q2 202567$889.1M10.19%0.68%1.52%98.2%
Q1 202566$854.9M10.01%0.59%1.53%101.4%
Q4 202465$838.7M10.19%0.73%1.42%99.4%
Q3 202465$790.1M9.75%0.64%1.45%99.7%
Q2 202467$793.4M9.71%0.35%1.41%97.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.92%
29th
Total risk-based capital11.56%
51st
Problem loans1.32%
21st
Net charge-offs0.22%
11th
Return on assets1.14%
43rd
Net interest margin6.71%
99th
Efficiency ratio68.2%
34th
Loans to deposits97.8%
13th
Uninsured deposits35.8%
16th
Loan-loss reserves1.84%
91st
Texas ratio12.2%
14th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs
State BankBank Brownsburg, IN71 out of 100, Strong$916.1M11.9%0.13%vs
Citizens State Bank of New Castle, IndianaBank New Castle, IN70 out of 100, Strong$908.8M10.5%0.40%vs
The Fountain Trust CompanyBank Covington, IN69 out of 100, Moderate$844.6M10.0%0.63%vs
First State Bank of MiddleburyBank Middlebury, IN67 out of 100, Moderate$836.2M13.4%1.55%vs
FCN Bank, National AssociationBank Brookville, IN73 out of 100, Strong$812.5M9.9%0.02%vs

Deposit insurance

Is my money safe at Community First Bank of Indiana?

Yes. Community First Bank of Indiana is an FDIC-insured institution (FDIC certificate #57511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.8% of deposits ($291.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.56% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Community First Bank of Indiana lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community First Bank of Indiana reported 188 home-loan applications under HMDA (LEI 549300Z6RK4QCIMZJD44): 148 originated ($55,990,000 total), 17 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community First Bank of Indiana
Former names
Community First Bank of Howard County
Type
State-chartered bank
FDIC certificate #
57511
RSSD ID
3165357
Primary regulator
FDIC
Holding company
Community First Financial Corp
Established
February 3, 2003
Headquarters
201 W Sycamore St, Kokomo, IN 46901
Employees
244

Quick answers

Community First Bank of Indiana: common questions

Is Community First Bank of Indiana FDIC insured?

Yes. Community First Bank of Indiana is an FDIC-insured institution (FDIC certificate #57511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community First Bank of Indiana's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community First Bank of Indiana ever failed?

There is no failure record for FDIC certificate #57511 in the FDIC failed bank list.

How many branches does Community First Bank of Indiana have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kokomo

InstitutionScoreAssetsCapitalProblem loansCompare
Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN98 out of 100, Very strong$3.8M17.3%0.00%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Hometown Federal Credit UnionCredit union Peru, IN79 out of 100, Strong$37.2M33.3%1.68%vs
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
Financial Builders Federal Credit UnionCredit union Kokomo, IN75 out of 100, Strong$151.5M12.5%0.85%vs