Kendallville, IN · Cert 16757 · C&F Banc Shares Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Elkhart-Goshen, IN · 2026 SOD (annual) · 0.3% share · #14 of 16 inst. · $0.0B of $4.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.77% | 0.49% | 0.82% | 0.85% | +22 bps | |
| Return on Equity | 6.34% | 7.64% | 4.94% | 8.10% | 8.35% | +201 bps | |
| Net Interest Margin | 2.80% | 2.83% | 2.93% | 3.03% | 3.16% | +35 bps | |
| Efficiency Ratio | 70.13% | 66.31% | 69.29% | 65.12% | 64.81% | -532 bps | |
| Non-Interest Burden | 1.91% | 1.81% | 1.98% | 1.92% | 2.00% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.36% | 3.06% | 4.00% | 2.38% | 3.44% | +208 bps | |
| Loan Growth (YoY) | 11.53% | 7.29% | 7.40% | 6.70% | 5.43% | -610 bps | |
| Deposit Growth (YoY) | -1.57% | 14.69% | 16.53% | 13.45% | 15.84% | +1,741 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.05% | -0.01% | -0.02% | -0.01% | 0 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.81% | 0.82% | 0.83% | +3 bps | |
| Allowance Coverage of NPLs | 14.1x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.19% | 10.20% | 10.10% | 10.15% | 10.00% | -19 bps | |
| Total Risk-Based Capital | 23.55% | 24.09% | 23.09% | 23.20% | 22.90% | -65 bps | |
| Equity / Assets | 10.04% | 10.08% | 9.98% | 10.15% | 10.10% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.71% | 79.39% | 81.59% | 81.95% | 83.47% | -824 bps | |
| Liquid Assets / Assets | 9.30% | 12.21% | 10.53% | 10.60% | 9.99% | +69 bps | |
| CRE / Total Capital | n/a | 20.85% | 22.88% | 22.21% | n/a | n/a | |