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Community First Bank Of Indiana

IDRSSD: 3165357
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #3165357 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 5.2%, loans/deposits 97.8%, cash 12.1% of assets.

Cash / Assets
12.09%
Loans / Deposits
97.81%
Brokered %
5.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.29%
No watch items at this period.

Capitalization

WatchQoQ -5
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.98%, CET1 9.98%, leverage 9.55%.

Tier 1 RBC
9.98%
CET1
9.98%
Leverage
9.55%
No watch items at this period.

Asset Quality

StrongQoQ +4
100
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.7%, NCO YTD 0.06%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.06%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 413.5%, true coverage 251.8%.

ALLL / Loans
1.44%
Coverage
413.5%
True Loss Coverage
251.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:50:08 UTC