Merrillville, IN · Cert 12854 · First Bancshares Inc.
State charter, non-member · FDIC · 63 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
60
Profitability
67
Liquidity
49
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Merrillville, IN · Cert 12854 · First Bancshares Inc.
State charter, non-member · FDIC · 63 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.1% share · #15 of 147 inst. · $7.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.67% | 1.57% | 1.67% | 1.67% | 1.67% | 1.50% | 1.57% | -10 bps | |
| Return on Equity | 19.67% | 19.32% | 17.80% | 18.64% | 18.41% | 17.89% | 14.96% | 15.71% | -292 bps | |
| Net Interest Margin | 3.34% | 3.25% | 3.32% | 3.29% | 3.33% | 3.36% | 3.42% | 3.31% | +2 bps | |
| Efficiency Ratio | 43.41% | 44.59% | 45.13% | 43.59% | 43.60% | 44.38% | 49.87% | 48.18% | +459 bps | |
| Non-Interest Burden | 1.10% | 1.12% | 1.18% | 1.10% | 1.11% | 1.15% | 1.38% | 1.27% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.23% | 11.18% | 9.04% | 10.27% | 6.98% | -0.30% | 6.48% | 5.86% | -441 bps | |
| Loan Growth (YoY) | 11.27% | 10.98% | 8.04% | 9.27% | 7.22% | -0.25% | 7.12% | 4.42% | -485 bps | |
| Deposit Growth (YoY) | 10.72% | 5.34% | 5.39% | 7.15% | 5.60% | 3.46% | 10.58% | 10.38% | +323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.10% | 0.13% | 0.13% | 0.10% | 0.34% | 0.68% | 0.82% | +69 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.11% | 0.02% | 0.02% | 0.02% | 0.02% | 0.17% | 0.08% | +6 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.16% | 1.15% | 1.18% | 1.24% | 1.19% | 1.22% | +7 bps | |
| Allowance Coverage of NPLs | 8.6x | 10.5x | 8.7x | 9.1x | 11.6x | 3.7x | 1.7x | 1.5x | -7.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.61% | 9.96% | 10.03% | 10.30% | 10.62% | 10.88% | 10.74% | +71 bps | |
| Total Risk-Based Capital | 12.42% | 12.25% | 13.05% | 13.06% | 13.27% | 14.06% | 13.80% | 14.04% | +98 bps | |
| Equity / Assets | 8.96% | 8.53% | 9.16% | 9.17% | 9.52% | 10.16% | 9.88% | 9.86% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.35% | 102.25% | 99.28% | 97.56% | 97.83% | 98.59% | 96.17% | 92.29% | -527 bps | |
| Liquid Assets / Assets | 1.25% | 1.25% | 0.92% | 1.69% | 1.54% | 1.39% | 0.93% | 1.41% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 408% | 394% | 377% | n/a | n/a | |
Merrillville, IN · Cert 12854 · Peer group: banks over $10B in assets (n=142-144) · First Bancshares Inc.
State charter, non-member · FDIC · 63 branches
Q2 2026
Return on Assets
1.51%
Rank 41 of 144
Net Interest Margin
3.31%
Rank 70 of 144
Efficiency Ratio
48.18%
Rank 31 of 144
Equity / Assets
9.86%
Rank 101 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 1.00% | 1.26% | 1.54% | Beats 72% | 41 / 144 | ||
| Return on Equity | 15.34% | 8.98% | 11.34% | 14.40% | Beats 79% | 30 / 144 | ||
| Net Interest Margin | 3.31% | 2.82% | 3.31% | 3.68% | Beats 51% | 70 / 144 | ||
| Efficiency Ratio | 48.18% | 49.42% | 56.02% | 62.41% | Beats 79% | 31 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.48% | 0.73% | 1.07% | Beats 44% | 80 / 142 | ||
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 75% | 36 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.85% | 12.07% | 12.98% | 14.92% | Beats 47% | 76 / 144 | ||
| Total Risk-Based Capital Ratio | 14.04% | 13.39% | 14.14% | 16.25% | Beats 47% | 77 / 144 | ||
| Equity / Assets | 9.86% | 9.69% | 11.39% | 12.96% | Beats 30% | 101 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.29% | 75.72% | 84.92% | 91.56% | 78th pctl | 31 / 143 | ||
| Loans / Assets | 77.89% | 59.83% | 69.07% | 74.80% | 82nd pctl | 26 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||