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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57511 · IN B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2872/4307
  • PHOTO-FINISH Bank of Walker County · AL
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 13.5% Texas
  • ROA-STRONG 1.44% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Bank of Walker County, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community First Bank of Indiana

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Walker County · AL ·…72/100Community First Bank… · IN ·…72/100Huron Valley State B… · MI ·…72/100Pinnacle Bank · CA · near72/100Two Rivers Bank & Tr… · IA ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community First Bank of Indiana · July 2026

What Community First Bank of Indiana's Call Report plate shows

Community First Bank of Indiana (FDIC Cert #57511) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,872 of 4,307. Tier 1 capital prints at 10.39%, clearing the 10% well-capitalized line. The Texas Ratio is 13.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.44%. Balance-sheet scale is $933M, 1,115th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Walker County (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community First Bank of Indiana

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Community First Bank of Indiana's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Community First Bank of Indiana remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

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.

0/100100/100National avg77/10072/100
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 Assets

$933M

Total balance-sheet footings

Total Deposits

$768M

Customer-funded liabilities

Net Loans

$760M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.99% 10.39% 11.79%
Basel III capital ratios - Community First Bank of Indiana

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 33rd percentile higher than 33% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community First Bank of Indiana 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Community First Bank of Indiana

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

What these ratios mean →

Earnings posture at Community First Bank of Indiana

Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
12.98%
Efficiency Ratio
65.60%

What these mean →

Income & expense at Community First Bank of Indiana

$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.

FDIC Failed Bank List → View Community First Bank of Indiana on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($933M here), outside Indiana so the neighborhood is not state containment.

Diamond Bank $932M · AR The Farmers Bank $934M · TN Vermillion State Bank $931M · MN First National Bank of Waterloo $930M · IL

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.

Community First Bank of Indiana Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
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%