Terre Haute, IN · Cert 17736 · Terre Haute Savings MHC Inc.
SI · FDIC · 8 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 (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
46
Profitability
14
Liquidity
78
Efficiency
11
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.
Terre Haute, IN · Cert 17736 · Terre Haute Savings MHC Inc.
SI · FDIC · 8 branches
Q2 2026
Market Position · Terre Haute, IN · 2026 SOD (annual) · 9.8% share · #3 of 8 inst. · $0.4B of $4.0B
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 | -0.11% | -0.15% | -0.22% | -0.14% | -0.06% | 0.02% | 0.15% | 0.22% | +36 bps | |
| Return on Equity | -1.99% | -2.68% | -4.27% | -2.77% | -1.13% | 0.43% | 2.50% | 3.56% | +632 bps | |
| Net Interest Margin | 1.89% | 1.92% | 2.04% | 2.21% | 2.32% | 2.39% | 2.58% | 2.64% | +43 bps | |
| Efficiency Ratio | 112.26% | 112.32% | 110.38% | 106.63% | 102.88% | 100.21% | 94.97% | 92.27% | -1,436 bps | |
| Non-Interest Burden | 2.25% | 2.28% | 2.36% | 2.42% | 2.42% | 2.41% | 2.41% | 2.36% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.98% | 3.70% | 1.30% | 1.54% | -1.43% | -2.86% | -1.77% | -4.84% | -638 bps | |
| Loan Growth (YoY) | 10.65% | 6.08% | 6.06% | 7.92% | 7.90% | 7.23% | 8.48% | 4.09% | -382 bps | |
| Deposit Growth (YoY) | 18.77% | 9.88% | 7.36% | 5.87% | -0.84% | -4.52% | -1.07% | -4.63% | -1,050 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.66% | 0.66% | 0.78% | 0.79% | 0.60% | 0.58% | 0.59% | -19 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 1.03% | 1.01% | 1.09% | 1.08% | 1.08% | 1.05% | 1.04% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.7x | 1.4x | 1.4x | 1.7x | 1.8x | 1.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.16% | 7.87% | 8.04% | 8.14% | 8.21% | 8.24% | 8.29% | +24 bps | |
| Total Risk-Based Capital | 14.81% | 14.06% | 13.98% | 13.90% | 14.17% | 13.96% | 13.93% | 14.10% | +20 bps | |
| Equity / Assets | 5.95% | 5.02% | 5.17% | 5.16% | 5.81% | 6.16% | 5.94% | 6.20% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.74% | 65.96% | 65.31% | 66.29% | 71.53% | 74.07% | 71.62% | 72.35% | +606 bps | |
| Liquid Assets / Assets | 2.93% | 4.97% | 6.89% | 6.94% | 2.91% | 2.20% | 2.79% | 2.62% | -432 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 275% | 280% | n/a | n/a | |
Terre Haute, IN · Cert 17736 · Peer group: banks under $1B in assets (n=570-617) · Terre Haute Savings MHC Inc.
SI · FDIC · 8 branches
Q2 2026
Return on Assets
0.22%
Rank 546 of 617
Net Interest Margin
2.64%
Rank 544 of 617
Efficiency Ratio
92.87%
Rank 553 of 617
Equity / Assets
6.20%
Rank 604 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.60% | 1.01% | 1.45% | Beats 12% | 546 / 617 | ||
| Return on Equity | 3.52% | 5.30% | 9.43% | 13.30% | Beats 17% | 513 / 617 | ||
| Net Interest Margin | 2.64% | 3.04% | 3.54% | 4.05% | Beats 12% | 544 / 617 | ||
| Efficiency Ratio | 92.87% | 58.03% | 67.76% | 79.08% | Beats 11% | 553 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.47% | 1.27% | Beats 45% | 317 / 570 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 309 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 11.18% | 13.83% | 18.55% | Beats 43% | 354 / 617 | ||
| Total Risk-Based Capital Ratio | 14.10% | 11.56% | 14.39% | 19.39% | Beats 47% | 326 / 617 | ||
| Equity / Assets | 6.20% | 9.03% | 10.55% | 13.63% | Beats 2% | 604 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.35% | 64.77% | 79.70% | 93.06% | 36th pctl | 371 / 582 | ||
| Loans / Assets | 64.51% | 51.70% | 67.18% | 77.51% | 44th pctl | 343 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||