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Campbell & Fetter Bank

Kendallville, IN · Cert 16757 · C&F Banc Shares Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$355.0MAssets
$238.4MLoans
$285.6MDeposits
$35.9MEquity
Loan mix
89%RE $206.9M6%C&I $13.8M6%Consumer $13.0MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $214.3M25%Noninterest $71.3MQ3 2024Q2 2026

Market Position · Elkhart-Goshen, IN · 2026 SOD (annual) · 0.3% share · #14 of 16 inst. · $0.0B of $4.8B

24.9% Noble
2.8% DeKalb
0.3% Elkhart
1.2% Steuben

Executive Summary

  • Earnings: ROA of 0.85%, up 22 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.00%, down 19 bps from a year ago.
  • Funding: loans stand at 83.47% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.85%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.16%+35 bps YoY

Efficiency Ratio (quarter, annualized)

64.81%-532 bps YoY

Tier 1 Leverage Ratio

10.00%-19 bps YoY

NIM

3.53%Q2 ’244.04%Q2 ’254.34%Q2 ’26+22%+13%

Non-interest income vs. expense

2.14%Q2 ’242.10%Q2 ’252.13%Q2 ’26-1%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.38%0.61%0.63%0.77%0.49%0.82%0.85%+22 bps
Return on Equity3.65%4.08%6.45%6.34%7.64%4.94%8.10%8.35%+201 bps
Net Interest Margin2.34%2.52%2.63%2.80%2.83%2.93%3.03%3.16%+35 bps
Efficiency Ratio82.12%79.97%67.50%70.13%66.31%69.29%65.12%64.81%-532 bps
Non-Interest Burden1.89%1.98%1.71%1.91%1.81%1.98%1.92%2.00%+9 bps
Growth
Asset Growth (YoY)-0.83%-2.14%0.90%1.36%3.06%4.00%2.38%3.44%+208 bps
Loan Growth (YoY)13.36%11.13%11.69%11.53%7.29%7.40%6.70%5.43%-610 bps
Deposit Growth (YoY)-7.16%-7.91%-2.57%-1.57%14.69%16.53%13.45%15.84%+1,741 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.01%0.00%0.06%0.00%0.00%0.00%0.00%-6 bps
Net Charge-Offs / Loans0.00%0.16%-0.01%-0.01%0.05%-0.01%-0.02%-0.01%0 bps
Allowance / Loans0.80%0.75%0.79%0.80%0.80%0.81%0.82%0.83%+3 bps
Allowance Coverage of NPLs7.4x125.3x347.6x14.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.07%10.11%10.11%10.19%10.20%10.10%10.15%10.00%-19 bps
Total Risk-Based Capital24.08%23.69%23.33%23.55%24.09%23.09%23.20%22.90%-65 bps
Equity / Assets9.34%9.18%9.79%10.04%10.08%9.98%10.15%10.10%+6 bps
Liquidity & Funding
Loans / Deposits84.87%88.53%87.13%91.71%79.39%81.59%81.95%83.47%-824 bps
Liquid Assets / Assets5.69%6.94%9.10%9.30%12.21%10.53%10.60%9.99%+69 bps
CRE / Total Capitaln/an/an/an/a20.85%22.88%22.21%n/an/a