Brownsburg, IN · Cert 1833 · Lizton Financial Corp.
State charter, non-member · FDIC · 10 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
67
Profitability
47
Liquidity
33
Efficiency
48
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.
Brownsburg, IN · Cert 1833 · Lizton Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.8% share · #17 of 49 inst. · $0.7B of $91.8B
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 | 0.64% | 0.73% | 0.84% | 0.90% | 0.95% | 0.95% | 1.07% | 1.07% | +17 bps | |
| Return on Equity | 8.50% | 9.55% | 10.36% | 11.01% | 11.63% | 11.48% | 12.13% | 11.13% | +12 bps | |
| Net Interest Margin | 2.76% | 2.88% | 3.27% | 3.31% | 3.39% | 3.37% | 3.85% | 3.75% | +44 bps | |
| Efficiency Ratio | 75.02% | 72.67% | 69.40% | 67.74% | 66.71% | 67.31% | 65.59% | 65.46% | -228 bps | |
| Non-Interest Burden | 1.96% | 1.97% | 2.15% | 2.11% | 2.12% | 2.13% | 2.38% | 2.30% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | -0.75% | 2.15% | 2.78% | 5.22% | 5.49% | 3.78% | 7.14% | +437 bps | |
| Loan Growth (YoY) | 7.55% | 9.11% | 4.90% | 4.71% | 8.82% | 7.77% | 8.10% | 7.93% | +322 bps | |
| Deposit Growth (YoY) | 6.78% | -0.25% | -0.79% | -2.02% | -1.77% | -0.28% | -1.17% | 5.62% | +764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.11% | 0.29% | 0.27% | 0.19% | 0.88% | 0.13% | 0.13% | -14 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.09% | -0.03% | -0.02% | -0.01% | 0.01% | 0.01% | +4 bps | |
| Allowance / Loans | 1.47% | 1.43% | 1.51% | 1.47% | 1.44% | 1.43% | 1.49% | 1.47% | 0 bps | |
| Allowance Coverage of NPLs | 21.4x | 12.9x | 5.1x | 5.4x | 7.5x | 1.6x | 11.3x | 11.2x | +5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 8.96% | 9.14% | 9.17% | 9.25% | 9.13% | 9.49% | 11.90% | +274 bps | |
| Total Risk-Based Capital | 11.67% | 11.41% | 11.56% | 11.74% | 9.25% | 9.13% | 9.49% | 11.90% | +17 bps | |
| Equity / Assets | 7.94% | 7.93% | 8.28% | 8.21% | 8.36% | 8.67% | 9.03% | 10.97% | +276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.28% | 92.59% | 90.00% | 90.90% | 94.47% | 100.06% | 98.44% | 92.89% | +199 bps | |
| Liquid Assets / Assets | 6.83% | 4.63% | 6.04% | 7.26% | 7.54% | 4.31% | 5.31% | 9.06% | +180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 527% | 540% | 522% | n/a | n/a | |
Brownsburg, IN · Cert 1833 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lizton Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.02%
Rank 395 of 746
Net Interest Margin
3.75%
Rank 352 of 746
Efficiency Ratio
65.46%
Rank 390 of 746
Equity / Assets
10.97%
Rank 324 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 395 / 746 | ||
| Return on Equity | 9.33% | 6.74% | 10.51% | 13.63% | Beats 42% | 436 / 746 | ||
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 352 / 746 | ||
| Efficiency Ratio | 65.46% | 55.74% | 64.58% | 75.47% | Beats 48% | 390 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 73% | 205 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 61% | 296 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.90% | 11.55% | 13.75% | 17.60% | Beats 31% | 518 / 746 | ||
| Total Risk-Based Capital Ratio | 11.90% | 11.71% | 14.33% | 18.43% | Beats 27% | 541 / 746 | ||
| Equity / Assets | 10.97% | 8.90% | 10.51% | 13.06% | Beats 57% | 324 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.89% | 61.31% | 78.27% | 90.78% | 79th pctl | 155 / 746 | ||
| Loans / Assets | 77.48% | 53.60% | 66.97% | 76.08% | 79th pctl | 159 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||