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 | |