Community First Bank of Indiana: how it compares with its peers
Against 26 IN banks with half to twice its assets, Community First Bank of Indiana's strongest measure in Q2 2026 is net interest margin (6.71% vs. a 3.76% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.10% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.71% | 3.76% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.20% | 63.29% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $6.4M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.82% | 81.23% | Context |
What it means for lending operations
Its efficiency ratio of 68.20% is above the 63.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Greenfield Banking Company Greenfield, IN · $930M
- State Bank Brownsburg, IN · $916M
- Citizens State Bank of New Castle, Indiana New Castle, IN · $909M
- First Bank of Berne Berne, IN · $1.09B
- Jackson County Bank Seymour, IN · $1.11B
- The Fountain Trust Company Covington, IN · $845M
Questions about Community First Bank of Indiana
How big is Community First Bank of Indiana?
Community First Bank of Indiana, established in 2003, is headquartered in Kokomo, IN. It reported $980M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Community First Bank of Indiana's return on assets?
1.14% annualized in Q2 2026, against a 1.10% median for 26 IN banks with half to twice its assets, ahead of 54% of them.
What is Community First Bank of Indiana's efficiency ratio?
68.20% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 63.29%, and lower is better.
Is Community First Bank of Indiana growing its loans?
Net loans grew 10.0% over the year to Q2 2026, while deposits grew 10.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.