Ellettsville, IN · Cert 14113 · Ellettsville Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Bloomington, IN · 2026 SOD (annual) · 9.1% share · #5 of 14 inst. · $0.3B of $3.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 1.07% | 0.80% | 1.07% | 1.25% | +37 bps | |
| Return on Equity | 9.91% | 11.62% | 8.42% | 11.35% | 13.38% | +347 bps | |
| Net Interest Margin | 3.15% | 3.28% | 3.45% | 3.53% | 3.48% | +33 bps | |
| Efficiency Ratio | 69.96% | 65.41% | 72.03% | 66.27% | 62.90% | -705 bps | |
| Non-Interest Burden | 2.01% | 1.93% | 2.32% | 2.11% | 1.89% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.58% | 1.89% | 3.34% | 6.32% | 8.95% | +737 bps | |
| Loan Growth (YoY) | 5.41% | 5.78% | 9.76% | 6.80% | 7.19% | +178 bps | |
| Deposit Growth (YoY) | 0.49% | 1.65% | 2.64% | 7.14% | 9.35% | +886 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.41% | 0.41% | 0.19% | 0.19% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.01% | 1.02% | 1.01% | 0 bps | |
| Allowance Coverage of NPLs | 3.9x | 2.5x | 2.4x | 5.5x | 5.3x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.66% | 10.51% | 10.73% | 10.47% | -5 bps | |
| Total Risk-Based Capital | 10.51% | 10.66% | 10.51% | 10.73% | 10.47% | -5 bps | |
| Equity / Assets | 8.95% | 9.43% | 9.48% | 9.41% | 9.34% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.69% | 64.66% | 64.34% | 64.19% | 62.43% | -126 bps | |
| Liquid Assets / Assets | 13.05% | 12.75% | 13.28% | 12.95% | 14.27% | +123 bps | |
| CRE / Total Capital | n/a | 280% | 280% | 273% | n/a | n/a | |