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
Unfavorable gap of $2.0M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.60% | 0.92% | 1.34% | Beats 18% | 694 / 849 | |
| Return on Equity | 2.83% | 5.33% | 9.20% | 12.48% | Beats 14% | 728 / 848 | |
| Net Interest Margin | 2.60% | 2.93% | 3.45% | 4.03% | Beats 13% | 742 / 849 | |
| Efficiency Ratio | 82.11% | 58.46% | 68.22% | 77.90% | Beats 19% | 687 / 849 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.06% | 0.40% | 1.03% | Beats 51% | 415 / 843 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 45% | 466 / 843 | |
| Capital |
| Tier 1 Capital Ratio | 16.27% | 11.59% | 13.93% | 17.99% | Beats 66% | 285 / 849 | |
| Total Risk-Based Capital Ratio | 16.27% | 11.90% | 14.68% | 18.78% | Beats 62% | 319 / 849 | |
| Equity / Assets | 16.42% | 8.73% | 10.40% | 13.12% | Beats 90% | 88 / 849 | |
| Liquidity & Funding |
| Loans / Deposits | 61.89% | 62.07% | 77.56% | 89.95% | 24th pctl | 641 / 849 | |
| Loans / Assets | 49.33% | 53.39% | 65.75% | 75.62% | 19th pctl | 683 / 843 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | |