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SBA lender · 7(a) program
Community First Bank of Indiana
Community First Bank of Indiana has approved 173 SBA loans worth $90.0M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#566
0.02% of all SBA dollars
Total approved
$90.0M
FY2010 onward
Loans
173
Median loan
$316,900
+76% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
17.9%
84 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Community First Bank of Indiana’s numbers say
Community First Bank of Indiana sits in the long tail of the SBA lending field, having approved 173 loans for a gross total of $90.0M since fiscal 2010. Its median loan of $316,900 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 17.9% were charged off, 10.3 points above the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 51% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Community First Bank of Indiana lends
| State | Loans | Share |
|---|---|---|
| Indiana | 165 | |
| New York | 1 | |
| Massachusetts | 1 | |
| Georgia | 1 | |
| Tennessee | 1 | |
| Florida | 1 | |
| Ohio | 1 | |
| Washington | 1 |
Franchise brands Community First Bank of Indiana financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Anytime Fitness | 3 | $969K | |
| Marco's Pizza | 2 | $523K | |
| I Heart Mac & Cheese | 1 | $464K | |
| U.S. Oil Retailer Supply Agreement | 1 | $1.8M | |
| Hotworx | 1 | $500K | |
| Jersey Mike’s Subs; Jersey Mike’s | 1 | $563K | |
| McAlister's Deli | 1 | $927K | |
| Cary Oil Company Inc | 1 | $1.3M |
Brands with the most Community First Bank of Indiana SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Community First Bank of Indiana made 13 of these loans under the SBA Express programme, median $100,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Community First Bank of Indiana. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about Community First Bank of Indiana
- How many SBA loans has Community First Bank of Indiana approved?
- Community First Bank of Indiana has approved 173 SBA loans totalling $89,988,300 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Community First Bank of Indiana SBA loan size?
- The median gross approval is $316,900, with the middle 80% of loans falling between $63,500 and $1,280,000. The national median across all SBA lenders is $180,000.
- What interest rate does Community First Bank of Indiana charge on SBA 7(a) loans?
- The median initial note rate on Community First Bank of Indiana's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Community First Bank of Indiana's SBA loan charge-off rate?
- 17.9% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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