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 | |