Crawfordsville, IN · Cert 15566 · Hoosier Heartland St Bcorp Employee STK Ownership&Svg Plan Tr
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
32
Profitability
59
Liquidity
88
Efficiency
39
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.
Crawfordsville, IN · Cert 15566 · Hoosier Heartland St Bcorp Employee STK Ownership&Svg Plan Tr
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.54% | 0.62% | 0.73% | 0.79% | 0.76% | 0.88% | 1.00% | +26 bps | |
| Return on Equity | 9.03% | 9.05% | 10.02% | 11.77% | 12.37% | 11.73% | 12.67% | 14.17% | +240 bps | |
| Net Interest Margin | 3.07% | 3.16% | 3.42% | 3.44% | 3.50% | 3.50% | 3.79% | 3.82% | +38 bps | |
| Efficiency Ratio | 79.12% | 79.69% | 78.66% | 75.65% | 73.61% | 74.55% | 71.62% | 69.51% | -614 bps | |
| Non-Interest Burden | 2.28% | 2.37% | 2.54% | 2.42% | 2.38% | 2.42% | 2.49% | 2.40% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 1.78% | 3.08% | 0.66% | 5.85% | 6.14% | 6.59% | 7.78% | +712 bps | |
| Loan Growth (YoY) | 9.47% | 7.12% | 5.25% | 6.14% | 10.92% | 14.39% | 12.31% | 10.99% | +484 bps | |
| Deposit Growth (YoY) | 10.41% | 4.76% | 2.98% | -0.04% | 2.38% | 0.30% | 4.12% | 6.97% | +701 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.23% | 0.39% | 0.33% | 0.46% | 0.51% | 0.36% | 0.63% | +31 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.05% | 0.05% | 0.07% | 0.06% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.22% | 1.22% | 1.18% | 1.17% | 1.20% | 1.23% | +1 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.1x | 3.1x | 3.8x | 2.5x | 2.3x | 3.4x | 1.9x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.33% | 8.34% | 8.52% | 8.52% | 8.53% | 8.43% | 8.57% | 8.70% | +18 bps | |
| Total Risk-Based Capital | 11.77% | 11.58% | 11.82% | 11.72% | 11.37% | 11.05% | 11.48% | 11.47% | -24 bps | |
| Equity / Assets | 6.54% | 5.92% | 6.36% | 6.41% | 6.69% | 6.83% | 7.14% | 7.10% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.62% | 75.35% | 76.63% | 77.94% | 80.84% | 85.93% | 82.65% | 80.87% | +293 bps | |
| Liquid Assets / Assets | 0.53% | 0.56% | 0.58% | 0.56% | 0.64% | 0.52% | 0.55% | 0.91% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.92% | 218% | 229% | n/a | n/a | |
Crawfordsville, IN · Cert 15566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Hoosier Heartland St Bcorp Employee STK Ownership&Svg Plan Tr
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.99%
Rank 414 of 746
Net Interest Margin
3.82%
Rank 322 of 746
Efficiency Ratio
69.51%
Rank 457 of 746
Equity / Assets
7.10%
Rank 692 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.72% | 1.06% | 1.45% | Beats 45% | 414 / 746 | ||
| Return on Equity | 13.89% | 6.74% | 10.51% | 13.63% | Beats 76% | 176 / 746 | ||
| Net Interest Margin | 3.82% | 3.17% | 3.68% | 4.16% | Beats 57% | 322 / 746 | ||
| Efficiency Ratio | 69.51% | 55.74% | 64.58% | 75.47% | Beats 39% | 457 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.07% | Beats 40% | 444 / 743 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 23% | 576 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.35% | 11.55% | 13.75% | 17.60% | Beats 12% | 655 / 746 | ||
| Total Risk-Based Capital Ratio | 11.47% | 11.71% | 14.33% | 18.43% | Beats 22% | 581 / 746 | ||
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 692 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.87% | 61.31% | 78.27% | 90.78% | 55th pctl | 332 / 746 | ||
| Loans / Assets | 74.28% | 53.60% | 66.97% | 76.08% | 69th pctl | 232 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||