Franklin, IN · Cert 27742 · Third Century Bcorp
SI · FDIC · 4 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.3% share · #28 of 49 inst. · $0.3B of $91.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.70% | 0.74% | 0.81% | 0.96% | +33 bps | |
| Return on Equity | 10.51% | 11.83% | 11.88% | 12.23% | 13.71% | +321 bps | |
| Net Interest Margin | 2.72% | 2.71% | 2.92% | 2.93% | 3.11% | +39 bps | |
| Efficiency Ratio | 77.35% | 74.47% | 70.17% | 73.04% | 69.79% | -757 bps | |
| Non-Interest Burden | 2.01% | 1.91% | 1.84% | 2.03% | 2.02% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.86% | 7.57% | 11.81% | 11.21% | 9.47% | +761 bps | |
| Loan Growth (YoY) | 6.40% | 3.53% | 6.23% | 6.61% | 5.34% | -106 bps | |
| Deposit Growth (YoY) | 0.68% | 8.06% | 16.31% | 15.02% | 16.36% | +1,568 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.82% | 0.00% | 0.17% | 0.00% | 0.00% | -82 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.39% | 1.38% | 1.43% | 1.42% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | n/a | 8.6x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.98% | 9.63% | 10.03% | 10.01% | 10.22% | +24 bps | |
| Total Risk-Based Capital | 13.45% | 14.04% | 13.39% | 14.30% | 14.27% | +82 bps | |
| Equity / Assets | 5.78% | 6.01% | 6.45% | 6.80% | 7.14% | +136 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.96% | 79.95% | 79.02% | 78.04% | 78.72% | -823 bps | |
| Liquid Assets / Assets | 5.69% | 11.66% | 9.63% | 9.99% | 9.90% | +421 bps | |
| CRE / Total Capital | n/a | 314% | 329% | 321% | n/a | n/a | |