Bloomfield, IN · Cert 28478
SI · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
57
Profitability
5
Liquidity
47
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bloomfield, IN · Cert 28478
SI · FDIC · 3 branches
Q2 2026
Market Position · Bloomington, IN · 2026 SOD (annual) · 0.5% share · #13 of 14 inst. · $0.0B of $3.8B
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 | -0.82% | -2.77% | -0.41% | -0.29% | -0.26% | -0.26% | -0.19% | -0.25% | +4 bps | |
| Return on Equity | -14.30% | -51.98% | -11.16% | -7.47% | -6.44% | -6.24% | -4.08% | -5.38% | +209 bps | |
| Net Interest Margin | 1.86% | 1.78% | 2.29% | 2.46% | 2.60% | 2.63% | 2.68% | 2.72% | +26 bps | |
| Efficiency Ratio | 127.91% | 218% | 115.28% | 109.79% | 104.27% | 104.13% | 105.98% | 108.04% | -175 bps | |
| Non-Interest Burden | 2.44% | 4.20% | 2.67% | 2.73% | 2.72% | 2.75% | 2.87% | 2.97% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | -4.95% | -4.52% | -6.62% | -6.06% | -3.11% | -2.73% | -3.12% | +350 bps | |
| Loan Growth (YoY) | -0.63% | 5.13% | 6.26% | 6.43% | 11.07% | 4.34% | 0.70% | -4.09% | -1,052 bps | |
| Deposit Growth (YoY) | 9.97% | 5.99% | 2.09% | -1.52% | -3.82% | 0.92% | -0.74% | -0.16% | +136 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.52% | 1.53% | 1.48% | 1.40% | 1.33% | 1.39% | 0.00% | -148 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 0.13% | 0.00% | 0.23% | +23 bps | |
| Allowance / Loans | 0.41% | 0.40% | 0.41% | 0.39% | 0.42% | 0.48% | 0.52% | 0.41% | +2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.97% | 6.35% | 6.49% | 6.66% | 6.66% | 6.66% | 6.78% | 6.79% | +12 bps | |
| Total Risk-Based Capital | 15.41% | 11.67% | 13.58% | 11.41% | 11.31% | 11.03% | 11.64% | 12.17% | +76 bps | |
| Equity / Assets | 6.15% | 3.55% | 3.87% | 4.20% | 4.51% | 4.75% | 4.51% | 4.74% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.03% | 60.36% | 59.87% | 63.80% | 67.01% | 62.40% | 60.73% | 61.29% | -251 bps | |
| Liquid Assets / Assets | 8.03% | 7.36% | 7.52% | 6.86% | 4.41% | 6.08% | 8.54% | 7.60% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 168.40% | 194.69% | 195.07% | n/a | n/a | |
Bloomfield, IN · Cert 28478 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 3 branches
Q2 2026
Return on Assets
-0.26%
Rank 726 of 746
Net Interest Margin
2.72%
Rank 677 of 746
Efficiency Ratio
108.04%
Rank 730 of 746
Equity / Assets
4.74%
Rank 739 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.26% | 0.72% | 1.06% | 1.45% | Beats 3% | 726 / 746 | ||
| Return on Equity | -5.39% | 6.74% | 10.51% | 13.63% | Beats 2% | 733 / 746 | ||
| Net Interest Margin | 2.72% | 3.17% | 3.68% | 4.16% | Beats 9% | 677 / 746 | ||
| Efficiency Ratio | 108.04% | 55.74% | 64.58% | 75.47% | Beats 2% | 730 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 645 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 531 / 746 | ||
| Total Risk-Based Capital Ratio | 12.17% | 11.71% | 14.33% | 18.43% | Beats 29% | 527 / 746 | ||
| Equity / Assets | 4.74% | 8.90% | 10.51% | 13.06% | Beats 1% | 739 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.29% | 61.31% | 78.27% | 90.78% | 25th pctl | 561 / 746 | ||
| Loans / Assets | 57.07% | 53.60% | 66.97% | 76.08% | 31st pctl | 516 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||