Medora, IN · Cert 14561
FDIC · 1 branch
Q3 2025
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.42% | 0.69% | 0.74% | 0.45% | -1 bps | |
| Return on Equity | 3.04% | 2.81% | 4.65% | 4.83% | 2.85% | -19 bps | |
| Net Interest Margin | 1.90% | 1.95% | 2.35% | 2.50% | 2.60% | +70 bps | |
| Efficiency Ratio | 77.78% | 79.73% | 67.97% | 66.90% | 82.11% | +433 bps | |
| Non-Interest Burden | 1.40% | 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 / Loans | 0.83% | 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 / Loans | 1.05% | 1.03% | 1.17% | 1.12% | 1.07% | +3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 3.6x | 2.7x | 2.8x | +1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.10% | 14.92% | 15.12% | 16.12% | 16.27% | +117 bps | |
| Total Risk-Based Capital | 15.10% | 14.92% | 15.12% | 16.12% | 16.27% | +117 bps | |
| Equity / Assets | 15.03% | 14.76% | 15.04% | 16.36% | 16.42% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.81% | 54.72% | 53.69% | 58.41% | 61.89% | +608 bps | |
| Liquid Assets / Assets | 48.38% | 50.38% | 50.68% | 45.79% | 44.08% | -430 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 58.09% | n/a | n/a |