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State Bank of Medora

Medora, IN · Cert 14561

FDIC · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q3 2025peer median (50)

Asset Quality

48

Q2 2024Q3 2025peer median (50)

Profitability

15

Q2 2024Q3 2025peer median (50)

Liquidity

49

Q2 2024Q3 2025peer median

Efficiency

19

Q2 2024Q3 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank of Medora

Medora, IN · Cert 14561

FDIC · 1 branch

Q3 2025

$95.7MAssets
$47.2MLoans
$76.3MDeposits
$15.7MEquity
Loan mix
83%RE $38.6M8%C&I $3.7M9%Consumer $4.4MQ3 2024Q3 2025
Deposit mix
81%Interest-bearing $61.9M19%Noninterest $14.4MQ3 2024Q3 2025

NIM

3.49%Q3 ’233.88%Q3 ’244.41%Q3 ’25-18%+37%

Non-interest income vs. expense

1.81%Q3 ’231.76%Q3 ’242.46%Q3 ’25-2%+48%

Executive Summary

  • Earnings: ROA of 0.45%, down 1 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.39% of loans (-44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.27%, up 117 bps from a year ago.
  • Funding: loans stand at 61.89% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.45%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+70 bps YoY

Efficiency Ratio (YTD, annualized)

82.11%+433 bps YoY

Tier 1 Leverage Ratio

16.27%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.46%0.42%0.69%0.74%0.45%-1 bps
Return on Equity3.04%2.81%4.65%4.83%2.85%-19 bps
Net Interest Margin1.90%1.95%2.35%2.50%2.60%+70 bps
Efficiency Ratio77.78%79.73%67.97%66.90%82.11%+433 bps
Non-Interest Burden1.40%1.48%1.49%1.55%2.07%+67 bps
Growth
Asset Growth (YoY)3.57%2.39%3.25%-3.34%-7.14%-1,071 bps
Loan Growth (YoY)14.34%9.60%9.80%11.63%4.82%-952 bps
Deposit Growth (YoY)7.42%5.93%3.75%1.05%-5.49%-1,291 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.87%0.33%0.41%0.39%-44 bps
Net Charge-Offs / Loans-0.02%0.04%-0.05%-0.02%0.00%+2 bps
Allowance / Loans1.05%1.03%1.17%1.12%1.07%+3 bps
Allowance Coverage of NPLs1.3x1.2x3.6x2.7x2.8x+1.5x
Capital
Tier 1 Leverage Ratio15.10%14.92%15.12%16.12%16.27%+117 bps
Total Risk-Based Capital15.10%14.92%15.12%16.12%16.27%+117 bps
Equity / Assets15.03%14.76%15.04%16.36%16.42%+139 bps
Liquidity & Funding
Loans / Deposits55.81%54.72%53.69%58.41%61.89%+608 bps
Liquid Assets / Assets48.38%50.38%50.68%45.79%44.08%-430 bps
CRE / Total Capitaln/an/an/an/a58.09%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Bank of Medora

Medora, IN · Cert 14561 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 1 branch

Q3 2025

$95.7MAssets
$47.2MLoans
$76.3MDeposits
$15.7MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 521 of 849).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets operating in a single state (rank 742 of 849).
  • Overall: at or above the peer median on 5 of 10 directional measures.

Return on Assets

0.47%

Rank 694 of 849

Net Interest Margin

2.60%

Rank 742 of 849

Efficiency Ratio

82.11%

Rank 687 of 849

Equity / Assets

16.42%

Rank 88 of 849

Non-interest income vs. expense

$0.4M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 82.11%Peer median 68.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.47%0.60%0.92%1.34%Beats 18%694 / 849
Return on Equity2.83%5.33%9.20%12.48%Beats 14%728 / 848
Net Interest Margin2.60%2.93%3.45%4.03%Beats 13%742 / 849
Efficiency Ratio82.11%58.46%68.22%77.90%Beats 19%687 / 849
Asset Quality
Nonperforming Loans / Loans0.39%0.06%0.40%1.03%Beats 51%415 / 843
Net Charge-Offs / Loans0.03%0.00%0.02%0.07%Beats 45%466 / 843
Capital
Tier 1 Capital Ratio16.27%11.59%13.93%17.99%Beats 66%285 / 849
Total Risk-Based Capital Ratio16.27%11.90%14.68%18.78%Beats 62%319 / 849
Equity / Assets16.42%8.73%10.40%13.12%Beats 90%88 / 849
Liquidity & Funding
Loans / Deposits61.89%62.07%77.56%89.95%24th pctl641 / 849
Loans / Assets49.33%53.39%65.75%75.62%19th pctl683 / 843
Brokered Deposits / Deposits0.00%n/an/a2.94%Beats 100%521 / 849