Medora, IN · Cert 14561
FDIC · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.38% | 0.45% | 0.55% | 0.32% | 0.69% | 0.78% | -0.17% | -73 bps | |
| Return on Equity | 2.27% | 2.55% | 2.93% | 3.63% | 2.12% | 4.65% | 5.00% | -1.07% | -470 bps | |
| Net Interest Margin | 2.22% | 1.99% | 1.90% | 1.91% | 2.11% | 2.35% | 2.52% | 2.74% | +84 bps | |
| Efficiency Ratio | 82.18% | 77.63% | 80.77% | 75.00% | 85.09% | 67.97% | 65.86% | 109.74% | +3,474 bps | |
| Non-Interest Burden | 1.78% | 1.46% | 1.47% | 1.34% | 1.74% | 1.49% | 1.54% | 3.06% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -2.22% | -0.59% | 3.57% | 2.39% | 3.25% | -3.34% | -7.14% | -1,071 bps | |
| Loan Growth (YoY) | 15.58% | 8.59% | 9.73% | 14.34% | 9.60% | 9.80% | 11.63% | 4.82% | -952 bps | |
| Deposit Growth (YoY) | -7.36% | -6.81% | 0.20% | 7.42% | 5.93% | 3.75% | 1.05% | -5.49% | -1,291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.55% | 0.59% | 0.83% | 0.87% | 0.33% | 0.41% | 0.39% | -44 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.14% | 0.10% | 0.22% | -0.05% | 0.01% | 0.04% | -6 bps | |
| Allowance / Loans | 1.18% | 1.24% | 1.25% | 1.05% | 1.03% | 1.17% | 1.12% | 1.07% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.2x | 2.1x | 1.3x | 1.2x | 3.6x | 2.7x | 2.8x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.15% | 15.28% | 15.24% | 15.10% | 14.92% | 15.12% | 16.12% | 16.27% | +117 bps | |
| Total Risk-Based Capital | 15.15% | 15.28% | 15.24% | 15.10% | 14.92% | 15.12% | 16.12% | 16.27% | +117 bps | |
| Equity / Assets | 14.86% | 15.21% | 15.41% | 15.03% | 14.76% | 15.04% | 16.36% | 16.42% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.88% | 50.73% | 52.87% | 55.81% | 54.72% | 53.69% | 58.41% | 61.89% | +608 bps | |
| Liquid Assets / Assets | 51.52% | 53.09% | 50.17% | 48.38% | 50.38% | 50.68% | 45.79% | 44.08% | -430 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 58.09% | n/a | n/a |