Richmond, IN · Cert 1849 · Waytru Bcorp
State charter, Fed member · FED · 4 branches
Q2 2026
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 | 0.34% | 0.38% | 0.56% | 0.52% | 0.62% | 0.65% | 0.91% | 0.86% | +33 bps | |
| Return on Equity | 4.46% | 5.08% | 7.52% | 7.08% | 8.38% | 8.69% | 11.76% | 11.01% | +394 bps | |
| Net Interest Margin | 3.07% | 3.10% | 3.32% | 3.38% | 3.41% | 3.41% | 3.73% | 3.80% | +42 bps | |
| Efficiency Ratio | 85.94% | 84.88% | 80.81% | 80.63% | 77.90% | 76.77% | 69.42% | 71.87% | -875 bps | |
| Non-Interest Burden | 2.57% | 2.55% | 2.58% | 2.63% | 2.55% | 2.52% | 2.45% | 2.59% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 4.15% | 3.97% | 7.01% | 8.86% | 10.37% | 12.73% | 7.03% | +3 bps | |
| Loan Growth (YoY) | 8.24% | 6.73% | 9.38% | 10.46% | 14.25% | 14.39% | 13.72% | 7.98% | -248 bps | |
| Deposit Growth (YoY) | 3.48% | 7.83% | 5.61% | 7.82% | 9.29% | 6.25% | 11.65% | 4.19% | -363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.15% | 0.20% | 0.16% | 0.17% | 0.17% | 0.13% | 0.49% | +33 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.13% | 1.10% | 1.09% | 1.08% | 1.11% | 1.12% | 1.16% | +6 bps | |
| Allowance Coverage of NPLs | 5.8x | 7.4x | 5.5x | 6.6x | 6.4x | 6.5x | 8.4x | 2.4x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 10.07% | 10.14% | 9.88% | 9.67% | 9.57% | 9.58% | 9.53% | -35 bps | |
| Total Risk-Based Capital | 14.01% | 13.99% | 13.92% | 13.32% | 13.03% | 13.13% | 9.58% | 9.53% | -379 bps | |
| Equity / Assets | 7.76% | 7.37% | 7.58% | 7.22% | 7.51% | 7.80% | 7.72% | 7.83% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.42% | 83.33% | 85.52% | 87.59% | 87.20% | 89.71% | 87.10% | 90.78% | +319 bps | |
| Liquid Assets / Assets | 3.13% | 2.54% | 1.20% | 1.22% | 1.21% | 1.08% | 2.49% | 1.36% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 423% | 414% | 432% | n/a | n/a | |