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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.26% | -0.26% | -0.19% | -0.25% | +4 bps | |
| Return on Equity | -7.47% | -6.44% | -6.24% | -4.08% | -5.38% | +209 bps | |
| Net Interest Margin | 2.46% | 2.60% | 2.63% | 2.68% | 2.72% | +26 bps | |
| Efficiency Ratio | 109.79% | 104.27% | 104.13% | 105.98% | 108.04% | -175 bps | |
| Non-Interest Burden | 2.73% | 2.72% | 2.75% | 2.87% | 2.97% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.62% | -6.06% | -3.11% | -2.73% | -3.12% | +350 bps | |
| Loan Growth (YoY) | 6.43% | 11.07% | 4.34% | 0.70% | -4.09% | -1,052 bps | |
| Deposit Growth (YoY) | -1.52% | -3.82% | 0.92% | -0.74% | -0.16% | +136 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.48% | 1.40% | 1.33% | 1.39% | 0.00% | -148 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.15% | 0.13% | 0.00% | 0.23% | +23 bps | |
| Allowance / Loans | 0.39% | 0.42% | 0.48% | 0.52% | 0.41% | +2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.66% | 6.66% | 6.66% | 6.78% | 6.79% | +12 bps | |
| Total Risk-Based Capital | 11.41% | 11.31% | 11.03% | 11.64% | 12.17% | +76 bps | |
| Equity / Assets | 4.20% | 4.51% | 4.75% | 4.51% | 4.74% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.80% | 67.01% | 62.40% | 60.73% | 61.29% | -251 bps | |
| Liquid Assets / Assets | 6.86% | 4.41% | 6.08% | 8.54% | 7.60% | +74 bps | |
| CRE / Total Capital | n/a | 168.40% | 194.69% | 195.07% | n/a | n/a | |