Total Assets
$933M
Total balance-sheet footings
FDIC Cert #57511 · Kokomo, Indiana · Est. 2003
Community First Bank of Indiana - FDIC Bank Health Profile
A community-scale look at Community First Bank of Indiana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $933M
- Total assets
- B
- Health grade · Good
- 1.44%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
Community First Bank of Indiana earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.39% Tier 1, profitable at 1.44% ROA, 66% efficiency ratio.
- #1,115
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 10.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community First Bank of Indiana's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community First Bank of Indiana's composite health score
Tier 1 Capital Ratio (10.39%) 28/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (13.54%) 16/20
Efficiency Ratio (65.60%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$768M
Customer-funded liabilities
Net Loans
$760M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community First Bank of Indiana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community First Bank of Indiana's score of 72/100 falls in the highlighted band.
Community First Bank of Indiana's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community First Bank of Indiana's $933M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.39%
Texas Ratio
13.54%
Equity Capital
$103M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
12.98%
Efficiency Ratio
65.60%
What the numbers say about Community First Bank of Indiana
Community First Bank of Indiana is an FDIC-insured institution (Certificate #57511) headquartered in Kokomo, Indiana, established in 2003. It holds $933M in total assets - 1,115th of 4,313 FDIC-insured banks, $768M in customer deposits, and $760M in net loans. On safety, its Tier 1 capital ratio of 10.39% is above the 10% well-capitalized threshold, and its Texas Ratio of 13.54% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (72/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, Community First Bank of Indiana ranks 22nd of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$79M
Interest Income
$8M
Non-Interest Income
$43M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community First Bank of Indiana reports a Texas Ratio of 13.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community First Bank of Indiana (FDIC Cert #57511) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Community First Bank of Indiana's health grade?▼
Community First Bank of Indiana receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community First Bank of Indiana?▼
Community First Bank of Indiana holds $933M in total assets and $768M in deposits, ranking 1,115th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kokomo, Indiana.
Is my money safe at Community First Bank of Indiana?▼
Yes, deposits at Community First Bank of Indiana (Certificate #57511) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community First Bank of Indiana's Tier 1 Capital Ratio?▼
Community First Bank of Indiana has a Tier 1 Capital Ratio of 10.39%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community First Bank of Indiana?▼
Community First Bank of Indiana has a Texas Ratio of 13.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community First Bank of Indiana?▼
Community First Bank of Indiana has an Efficiency Ratio of 65.60%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community First Bank of Indiana's profile as a depositor or analyst.
- Community First Bank of Indiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community First Bank of Indiana against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.