PackageTrendsPeer
Letter portraitLegal landscape

Hoosier Heartland State Bank

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

$356.3MAssets
$264.7MLoans
$327.3MDeposits
$25.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 76% of banks under $1B in assets operating in a single state (rank 176 of 746).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets operating in a single state (rank 692 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

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

Non-interest income vs. expense

$3.0M$11.5MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state
Bank 69.51%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.99%0.72%1.06%1.45%Beats 45%414 / 746
Return on Equity13.89%6.74%10.51%13.63%Beats 76%176 / 746
Net Interest Margin3.82%3.17%3.68%4.16%Beats 57%322 / 746
Efficiency Ratio69.51%55.74%64.58%75.47%Beats 39%457 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 40%444 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 23%576 / 743
Capital
Tier 1 Capital Ratio10.35%11.55%13.75%17.60%Beats 12%655 / 746
Total Risk-Based Capital Ratio11.47%11.71%14.33%18.43%Beats 22%581 / 746
Equity / Assets7.10%8.90%10.51%13.06%Beats 7%692 / 746
Liquidity & Funding
Loans / Deposits80.87%61.31%78.27%90.78%55th pctl332 / 746
Loans / Assets74.28%53.60%66.97%76.08%69th pctl232 / 746
Brokered Deposits / Depositsn/aNot reported for this institution