State Bank
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
$916.1MAssets
$709.8MLoans
$764.1MDeposits
$100.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of banks under $1B in assets operating in a single state (rank 205 of 743).
- Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets operating in a single state (rank 541 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.4M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |