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 | |