Seymour, IN · Cert 13109 · Bancorp of Southern Indiana
State charter, non-member · FDIC · 14 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
64
Profitability
24
Liquidity
14
Efficiency
19
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.
Seymour, IN · Cert 13109 · Bancorp of Southern Indiana
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Columbus, IN · 2026 SOD (annual) · 8.0% share · #4 of 9 inst. · $0.2B of $2.0B
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 | 0.68% | 0.74% | 0.84% | 0.83% | 0.85% | 0.85% | 0.73% | 0.78% | -5 bps | |
| Return on Equity | 8.48% | 9.16% | 10.12% | 10.06% | 10.32% | 10.25% | 8.78% | 9.37% | -68 bps | |
| Net Interest Margin | 2.75% | 2.81% | 3.08% | 3.12% | 3.16% | 3.14% | 3.24% | 3.22% | +10 bps | |
| Efficiency Ratio | 75.71% | 74.82% | 73.99% | 72.76% | 72.66% | 72.93% | 72.66% | 72.59% | -17 bps | |
| Non-Interest Burden | 1.82% | 1.82% | 1.99% | 1.96% | 1.98% | 1.98% | 2.05% | 2.02% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 3.12% | 4.13% | 1.94% | 3.21% | 8.49% | 4.26% | 6.73% | +479 bps | |
| Loan Growth (YoY) | 11.22% | 7.82% | 6.63% | 8.34% | 7.26% | 8.66% | 7.95% | 6.03% | -231 bps | |
| Deposit Growth (YoY) | 8.94% | 6.21% | 9.53% | 6.69% | 4.42% | 7.07% | 1.53% | 5.54% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.37% | 0.31% | 0.47% | 0.39% | 0.61% | 0.62% | 0.55% | +8 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.01% | 0.01% | 0.07% | 0.08% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.93% | 0.98% | 0.97% | 0.98% | 1.05% | 1.10% | +12 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.6x | 3.0x | 2.1x | 2.5x | 1.6x | 1.7x | 2.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.48% | 8.58% | 8.72% | 8.47% | 8.66% | 8.52% | 8.59% | 8.46% | -1 bps | |
| Total Risk-Based Capital | 11.46% | 11.75% | 12.18% | 11.83% | 12.12% | 11.96% | 12.26% | 12.17% | +34 bps | |
| Equity / Assets | 8.26% | 8.36% | 8.17% | 8.09% | 8.36% | 8.36% | 8.35% | 8.23% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.11% | 102.73% | 97.87% | 101.05% | 105.91% | 104.25% | 104.06% | 101.52% | +46 bps | |
| Liquid Assets / Assets | 2.49% | 2.63% | 5.33% | 2.31% | 2.07% | 2.52% | 2.42% | 3.01% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 458% | 463% | 450% | n/a | n/a | |
Seymour, IN · Cert 13109 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bancorp of Southern Indiana
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.76%
Rank 217 of 258
Net Interest Margin
3.22%
Rank 179 of 258
Efficiency Ratio
73.09%
Rank 210 of 257
Equity / Assets
8.23%
Rank 231 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.93% | 1.23% | 1.54% | Beats 16% | 217 / 258 | ||
| Return on Equity | 9.26% | 9.26% | 11.84% | 14.74% | Beats 25% | 193 / 258 | ||
| Net Interest Margin | 3.22% | 3.16% | 3.49% | 3.88% | Beats 31% | 179 / 258 | ||
| Efficiency Ratio | 73.09% | 51.71% | 60.30% | 69.65% | Beats 19% | 210 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 40% | 157 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 88% | 34 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 11.41% | 12.98% | 15.12% | Beats 21% | 204 / 258 | ||
| Total Risk-Based Capital Ratio | 12.17% | 12.10% | 13.91% | 16.08% | Beats 27% | 189 / 258 | ||
| Equity / Assets | 8.23% | 9.09% | 10.24% | 11.72% | Beats 10% | 231 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.52% | 73.24% | 86.34% | 95.95% | 86th pctl | 37 / 258 | ||
| Loans / Assets | 81.85% | 63.01% | 72.27% | 78.40% | 86th pctl | 36 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||