BlastPoint's Banking Scorecard
Community First Bank of Indiana
Community
Specialty: Commercial
IN
FDIC cert 57511
Kokomo, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Community First Bank of Indiana has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.40% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.43% above tier
- - Nonperforming Asset Ratio 1.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$932.7M
+11.2% YoY
+2.5% QoQ
|
-$458.8M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$759.9M
+10.5% YoY
+0.7% QoQ
|
-$215.6M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$767.6M
+11.0% YoY
+1.1% QoQ
|
-$397.0M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.44%
+1.3% YoY
-4.7% QoQ
|
+0.28% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
7.06%
+8.5% YoY
-0.2% QoQ
|
+3.40% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
65.60%
+1.1% YoY
-0.0% QoQ
|
+2.97% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.06%
+177.9% YoY
+136.1% QoQ
|
+1.43% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
98.99%
-0.5% YoY
-0.4% QoQ
|
+15.93% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.75%
-11.6% YoY
+0.7% QoQ
|
-6.30% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.70%
+179.6% YoY
+128.1% QoQ
|
+1.20% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
10.39%
+0.4% YoY
+1.2% QoQ
|
+0.15% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.86%
-24.4% YoY
+30.2% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
7.06%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.06%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.70%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 7.06% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
54
54th pctile
Total Loans
Current: $759.9M · Tier avg: $975.5M
45
45th pctile
Total Assets
Current: $932.7M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $767.6M · Tier avg: $1.2B
39
39th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 62.63%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.39% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.75% · Tier avg: 21.05%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.99% · Tier avg: 83.06%
9
9th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.70% · Tier avg: 0.50%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.70% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.63%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.99% · Tier avg: 83.06%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.75% · Tier avg: 21.05%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.39% · Tier avg: 10.24%
39
39th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 62.63%
44
44th pctile
Total Deposits
Current: $767.6M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $932.7M · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $759.9M · Tier avg: $975.5M
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
99
99th pctile
Net Interest Margin
Current: 7.06% · Tier avg: 3.66%