Community First Bank of In
Kokomo, Indiana · FDIC Cert #57511
Community First Bank of In is an FDIC-insured bank (Certificate #57511) with $793M in total assets and $644M in total deposits as of the Q2 2024 Call Report. Headquartered in Kokomo, Indiana, the bank maintains a Tier 1 capital ratio of 9.98% (Well-Capitalized) and a nonperforming loan ratio of 0.35%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community First Bank of In (FDIC cert 57511) is a community bank — $793M in total assets, $644M in deposits, serving the Kokomo, Indiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.98% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.35% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 13.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.77% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Community First Bank of In carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Community First Bank of In
- Total Assets
- $793M
- Total Deposits
- $644M
- Tier 1 Capital Ratio
- 9.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.35%
- Liquidity Ratio
- 13.38%
- Return on Assets
- 1.77%
- Headquarters
- Kokomo, Indiana
- FDIC Certificate
- #57511
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community First Bank of In holds a Tier 1 capital ratio of 9.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community First Bank of In has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community First Bank of In shows strong financial health indicators. With $793M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Community First Bank of In Compares
Community First Bank of In’s Health Score of 67 is 3 points below the Indiana state average of 70 across 73 FDIC-insured banks. Its 9.98% Tier 1 capital ratio is 4.0 points below the US banking industry average near 14%. The 0.35% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.77% is in line with or above the national ROA benchmark of ~1.1%. Among 1161 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Community First Bank of In is 3 points below the portfolio average of 70.
Frequently Asked Questions
Community First Bank of In has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Community First Bank of In's Tier 1 capital ratio of 9.98% and nonperforming loan ratio of 0.35% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Community First Bank of In is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57511). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Community First Bank of In holds $793M in total assets and $644M in total deposits. It is headquartered in Kokomo, Indiana (FDIC Certificate #57511).
Community First Bank of In has a Tier 1 capital ratio of 9.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.35%, and the return on assets is 1.77%.
Yes. Community First Bank of In is FDIC-insured (Certificate #57511). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community First Bank of In's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.