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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.06% | 0.02% | 0.15% | 0.22% | +36 bps | |
| Return on Equity | -2.77% | -1.13% | 0.43% | 2.50% | 3.56% | +632 bps | |
| Net Interest Margin | 2.21% | 2.32% | 2.39% | 2.58% | 2.64% | +43 bps | |
| Efficiency Ratio | 106.63% | 102.88% | 100.21% | 94.97% | 92.27% | -1,436 bps | |
| Non-Interest Burden | 2.42% | 2.42% | 2.41% | 2.41% | 2.36% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.54% | -1.43% | -2.86% | -1.77% | -4.84% | -638 bps | |
| Loan Growth (YoY) | 7.92% | 7.90% | 7.23% | 8.48% | 4.09% | -382 bps | |
| Deposit Growth (YoY) | 5.87% | -0.84% | -4.52% | -1.07% | -4.63% | -1,050 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.79% | 0.60% | 0.58% | 0.59% | -19 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 1.08% | 1.08% | 1.05% | 1.04% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.7x | 1.8x | 1.8x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.04% | 8.14% | 8.21% | 8.24% | 8.29% | +24 bps | |
| Total Risk-Based Capital | 13.90% | 14.17% | 13.96% | 13.93% | 14.10% | +20 bps | |
| Equity / Assets | 5.16% | 5.81% | 6.16% | 5.94% | 6.20% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.29% | 71.53% | 74.07% | 71.62% | 72.35% | +606 bps | |
| Liquid Assets / Assets | 6.94% | 2.91% | 2.20% | 2.79% | 2.62% | -432 bps | |
| CRE / Total Capital | n/a | 270% | 275% | 280% | n/a | n/a | |