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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.67% | 1.67% | 1.50% | 1.57% | -10 bps | |
| Return on Equity | 18.64% | 18.41% | 17.89% | 14.96% | 15.71% | -292 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.36% | 3.42% | 3.31% | +2 bps | |
| Efficiency Ratio | 43.59% | 43.60% | 44.38% | 49.87% | 48.18% | +459 bps | |
| Non-Interest Burden | 1.10% | 1.11% | 1.15% | 1.38% | 1.27% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.27% | 6.98% | -0.30% | 6.48% | 5.86% | -441 bps | |
| Loan Growth (YoY) | 9.27% | 7.22% | -0.25% | 7.12% | 4.42% | -485 bps | |
| Deposit Growth (YoY) | 7.15% | 5.60% | 3.46% | 10.58% | 10.38% | +323 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.10% | 0.34% | 0.68% | 0.82% | +69 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.17% | 0.08% | +6 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.24% | 1.19% | 1.22% | +7 bps | |
| Allowance Coverage of NPLs | 9.1x | 11.6x | 3.7x | 1.7x | 1.5x | -7.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.03% | 10.30% | 10.62% | 10.88% | 10.74% | +71 bps | |
| Total Risk-Based Capital | 13.06% | 13.27% | 14.06% | 13.80% | 14.04% | +98 bps | |
| Equity / Assets | 9.17% | 9.52% | 10.16% | 9.88% | 9.86% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.56% | 97.83% | 98.59% | 96.17% | 92.29% | -527 bps | |
| Liquid Assets / Assets | 1.69% | 1.54% | 1.39% | 0.93% | 1.41% | -28 bps | |
| CRE / Total Capital | n/a | 408% | 394% | 377% | n/a | n/a | |