Angola, IN · Cert 28769
State savings bank · OCC · 1 branch
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.92% | 0.97% | 0.90% | 1.03% | +12 bps | |
| Return on Equity | 3.98% | 3.99% | 4.17% | 3.80% | 4.31% | +33 bps | |
| Net Interest Margin | 3.31% | 3.36% | 3.39% | 3.48% | 3.57% | +26 bps | |
| Efficiency Ratio | 66.61% | 66.96% | 66.14% | 69.05% | 65.80% | -82 bps | |
| Non-Interest Burden | 2.12% | 2.16% | 2.16% | 2.32% | 2.26% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.10% | 1.11% | -0.56% | 1.52% | -0.51% | -41 bps | |
| Loan Growth (YoY) | 9.71% | 10.00% | 9.85% | 6.93% | 4.52% | -520 bps | |
| Deposit Growth (YoY) | -0.82% | 0.08% | -2.06% | 0.53% | 2.64% | +346 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.99% | 0.98% | 0.95% | 0.96% | 0.95% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 22.69% | 22.95% | 23.09% | 23.06% | 23.28% | +59 bps | |
| Total Risk-Based Capital | 22.69% | 22.95% | 23.09% | 23.06% | 23.28% | +59 bps | |
| Equity / Assets | 23.17% | 23.48% | 23.72% | 23.58% | 24.31% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.65% | 99.49% | 102.26% | 100.65% | 104.53% | +188 bps | |
| Liquid Assets / Assets | 21.89% | 21.12% | 19.43% | 20.71% | 18.37% | -352 bps | |
| CRE / Total Capital | n/a | 13.52% | 15.80% | 14.68% | n/a | n/a | |