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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

Community First Bank of Indiana

Kokomo, Indiana · $980M in assets · beside the 11 other Indiana banks between $300M and $1B

The filing

43.1%
CRE / loans
12th of 12
332.9%
CRE / capital
12th of 12
1.32%
NPA / loans
11th of 12

Community First Bank of Indiana is the largest of the 12 Indiana banks nearest its size between $300M and $1B, with $980M in assets at 30 June 2026. Loans are 99.7% of deposits, 10th of 12 against a median of 83.0%, and equity is 10.5% of assets, 6th of 12. Loans grew +10.5% in the year, 5th of 12, and deposits grew 10.4%; the cohort's median loan growth is +8.0%.

Noncurrent loans are 1.32% of the book, 11th of 12 against a median of 0.51%; 0.98% is 30 to 89 days past due, and the allowance covers them 1.4 times. Net charge-offs are 0.22% of loans, the highest in the cohort. Commercial real estate is 43.1% of loans, the highest in the cohort against a median of 28.4%, and 333% of capital, above the 300% screen, with construction at 152% against the 100% screen.

Return on assets is 1.19%, 5th of 12 against a median of 1.06%, on an efficiency ratio of 68.2%, 8th of 12. Five years ago it was 1.04%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 20.3% of loans).

Commercial real estate, share of loansIN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 28.4% FT Fountain Trust Co. 15.0% SV Springs Valley Bank & Trust Co. 18.2% NS North Salem State Bank 18.5% CS Citizens State Bank New Castle 18.8% FF First Federal Savings Bank 20.6% FS First State Bank of Middlebury 25.9% NW New Washington State Bank 31.0% CB Citizens Bank 32.1% GB Greenfield Banking Co. 34.2% FB FCN Bank National Association 38.3% SB State Bank 41.8% CF Community First Bank of Indiana 43.1%
Loans, year over yearIN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.0% FT Fountain Trust Co. +44.0% NW New Washington State Bank +22.3% CS Citizens State Bank New Castle +14.5% FB FCN Bank National Association +11.3% CF Community First Bank of Indiana +10.5% SV Springs Valley Bank & Trust Co. +8.2% SB State Bank +7.9% NS North Salem State Bank +6.8% FF First Federal Savings Bank +5.6% CB Citizens Bank +4.1% FS First State Bank of Middlebury +3.6% GB Greenfield Banking Co. -1.5%

SBA 7(a), FY2008 to FY2026

Community First Bank of Indiana is the 24th largest 7(a) lender into Indiana of 351, with $88M across 178 loans, 1.1% of everything approved in the state (The Huntington National Bank leads with $911M). 19 of its 33 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Indiana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Howard, IN$35M1st of 3436.2%+3.3 pts
Hamilton, IN$15M16th of 1321.7%+1.1 pts
Hendricks, IN$8M7th of 833.0%-6.5 pts
Marion, IN$7M40th of 1720.4%thin
Tipton, IN$4M1st of 1535.7%quiet FY2015
Wabash, IN$4M3rd of 1912.8%thin
Cass, IN$2M3rd of 1911.5%thin
Franklin, IN$2M3rd of 1314.6%thin
Tippecanoe, IN$2M24th of 581.0%thin
Carroll, IN$2M1st of 2119.5%quiet FY2011
New York, NY$2M120th of 2080.1%quiet FY2012
Lake, IN$1M56th of 970.3%quiet FY2015
Warrick, IN$1M10th of 302.3%quiet FY2014
20 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade27$15M16.4%0.03%370th of 2,589
Accommodation & food services27$13M13.8%0.02%500th of 2,596
Manufacturing21$12M13.1%0.03%408th of 2,246
Other services16$9M9.1%0.02%384th of 2,248
Health care & social assistance16$8M9.0%0.02%418th of 2,172
7(a) lenders into Indiana, share of approvals since FY2008351 lenders on record; the ten largest and Community First
TH The Huntington National Bank 11.3% $911M · 4,690 loans KN KeyBank National Association 4.3% $349M · 745 loans BB Byline Bank 4.2% $338M · 296 loans LO Live Oak Banking Company 4.1% $334M · 259 loans ON Old National Bank 3.4% $275M · 416 loans sS 1st Source Bank 3.3% $271M · 1,827 loans FM First Merchants Bank 2.9% $236M · 743 loans G Gbank 2.5% $202M · 68 loans WF Wells Fargo Bank National Associa… 2.3% $188M · 395 loans FF First Financial Bank 2.2% $181M · 610 loans CF Community First Bank of Indiana 1.1% $88M · 178 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Community FirstRankCohort median
Total CRE against capital, the 300% screen333%12th of 12174%
Construction against capital, the 100% screen152%12th of 1255%
Construction and land development, share of loans19.7%12th of 127.7%
Non-owner-occupied nonfarm nonresidential, share of loans19.6%10th of 1213.9%
Total CRE, the guidance definition, share of loans43.1%12th of 1228.4%
CRE growth over 36 months, the third prong+48.5%11th of 12+19.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Community First Bank of Indiana$980M1.2%68.2%1.32%0.22%1.8%99.7%10.5%
Greenfield Banking Co.$930M1.7%53.3%0.35%0.05%1.4%73.6%13.6%
State Bank$916M1.1%65.5%0.13%0.01%1.5%92.9%11.0%
Citizens State Bank New Castle$909M1.0%63.1%0.40%0.12%1.4%74.2%10.2%
Fountain Trust Co.$845M1.0%71.1%0.63%0.08%1.5%70.1%11.4%
First State Bank of Middlebury$836M1.6%57.3%1.55%0.00%1.6%101.2%11.6%
FCN Bank National Association$812M1.1%63.0%0.02%-0.02%1.1%78.4%8.1%
New Washington State Bank$798M0.9%70.6%0.83%0.07%1.3%73.9%8.8%
North Salem State Bank$770M1.6%53.9%0.67%0.00%1.6%91.2%9.0%
Citizens Bank$691M1.0%70.9%0.09%0.02%1.3%75.1%9.4%
First Federal Savings Bank$687M1.0%75.6%0.94%0.00%1.0%109.9%9.2%
Springs Valley Bank & Trust Co.$675M1.8%57.3%0.14%-0.11%1.4%87.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community FirstCohort median
20212026Change20212026Change
Loans$403M$811M+101%$357M$589M+65%
Deposits$431M$814M+89%$536M$714M+33%
NPA / loans0.34%1.32%+0.98 pts0.38%0.51%+0.13 pts
Efficiency77.6%68.2%-9.4 pts62.7%64.3%+1.6 pts
ROA1.04%1.19%+0.16 pts1.21%1.06%-0.16 pts

This read was prepared for Community First Bank of Indiana's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community First Bank of Indiana is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IN banks $300M to $1B
Institution www.cfbindiana.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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