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 (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 | 0.48% | 0.55% | 0.71% | 0.67% | 0.67% | 0.69% | 0.81% | 0.88% | +22 bps | |
| Return on Equity | 7.85% | 9.00% | 11.69% | 11.15% | 11.26% | 11.41% | 12.23% | 12.98% | +183 bps | |
| Net Interest Margin | 2.47% | 2.51% | 2.68% | 2.69% | 2.62% | 2.74% | 2.93% | 3.02% | +33 bps | |
| Efficiency Ratio | 83.52% | 80.33% | 76.86% | 77.11% | 76.20% | 74.51% | 73.04% | 71.36% | -575 bps | |
| Non-Interest Burden | 2.00% | 1.94% | 1.96% | 1.97% | 1.90% | 1.91% | 2.03% | 2.02% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.51% | -0.20% | 0.36% | 1.86% | 7.57% | 11.81% | 11.21% | 9.47% | +761 bps | |
| Loan Growth (YoY) | 8.09% | 5.70% | 4.93% | 6.40% | 3.53% | 6.23% | 6.61% | 5.34% | -106 bps | |
| Deposit Growth (YoY) | 7.55% | -2.10% | -1.73% | 0.68% | 8.06% | 16.31% | 15.02% | 16.36% | +1,568 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.86% | 0.85% | 0.82% | 0.00% | 0.17% | 0.00% | 0.00% | -82 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.41% | 1.39% | 1.38% | 1.43% | 1.42% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.7x | 1.7x | n/a | 8.6x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.79% | 9.98% | 9.95% | 9.98% | 9.63% | 10.03% | 10.01% | 10.22% | +24 bps | |
| Total Risk-Based Capital | 12.84% | 13.07% | 13.45% | 13.45% | 14.04% | 13.39% | 14.30% | 14.27% | +82 bps | |
| Equity / Assets | 6.40% | 6.04% | 6.14% | 5.78% | 6.01% | 6.45% | 6.80% | 7.14% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.45% | 86.53% | 84.20% | 86.96% | 79.95% | 79.02% | 78.04% | 78.72% | -823 bps | |
| Liquid Assets / Assets | 6.14% | 3.05% | 4.92% | 5.69% | 11.66% | 9.63% | 9.99% | 9.90% | +421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 314% | 329% | 321% | n/a | n/a | |