Logansport, IN · Cert 28894 · Security Federal Mutual Bcorp
State savings bank · OCC · 8 branches
Q2 2026
Market Position · Lafayette-West Lafayette, IN · 2026 SOD (annual) · 1.7% share · #15 of 20 inst. · $0.1B of $4.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.28% | 0.17% | 0.33% | 0.56% | 0.69% | 0.80% | 0.66% | +33 bps | |
| Return on Equity | 3.75% | 2.94% | 1.94% | 3.74% | 6.36% | 7.83% | 8.98% | 6.86% | +312 bps | |
| Net Interest Margin | 3.11% | 3.17% | 3.01% | 3.41% | 3.14% | 3.36% | 3.38% | 3.51% | +9 bps | |
| Efficiency Ratio | 91.13% | 90.56% | 93.18% | 86.59% | 87.32% | 69.76% | 72.87% | 76.32% | -1,027 bps | |
| Non-Interest Burden | 2.77% | 2.80% | 2.76% | 2.86% | 2.65% | 2.16% | 2.21% | 2.50% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 7.79% | 11.34% | 12.26% | 15.07% | 11.37% | 6.29% | 7.24% | -501 bps | |
| Loan Growth (YoY) | 12.86% | 13.94% | 13.91% | 12.73% | 14.69% | 15.84% | 14.04% | 14.18% | +144 bps | |
| Deposit Growth (YoY) | 3.65% | 10.20% | 15.27% | 13.89% | 15.34% | 10.69% | 4.03% | 7.70% | -619 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.21% | 0.29% | 0.33% | 0.38% | 0.27% | 0.32% | 0.31% | -2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.02% | 0.02% | 0.03% | 0.02% | 0.01% | 0.06% | +4 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.91% | 0.90% | 0.87% | 0.86% | 0.91% | 0.93% | +3 bps | |
| Allowance Coverage of NPLs | 3.5x | 4.3x | 3.1x | 2.7x | 2.3x | 3.2x | 2.8x | 3.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.58% | 10.14% | 9.96% | 9.85% | 9.71% | 9.81% | 10.96% | +100 bps | |
| Total Risk-Based Capital | 15.99% | 15.51% | 15.42% | 15.00% | 14.93% | 9.71% | 9.81% | 10.96% | -404 bps | |
| Equity / Assets | 9.81% | 9.10% | 8.82% | 8.77% | 8.82% | 8.83% | 9.07% | 10.20% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.11% | 91.93% | 89.06% | 91.88% | 94.57% | 96.20% | 97.63% | 97.40% | +553 bps | |
| Liquid Assets / Assets | 1.18% | 4.51% | 6.95% | 6.58% | 5.23% | 4.30% | 3.08% | 3.19% | -339 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 308% | 302% | 284% | n/a | n/a | |