Bedford, IN · Cert 29024
SI · FDIC · 2 branches
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 | 1.14% | 1.03% | 1.12% | 1.51% | 1.60% | +46 bps | |
| Return on Equity | 12.06% | 10.93% | 11.82% | 15.32% | 16.23% | +417 bps | |
| Net Interest Margin | 3.32% | 3.48% | 3.41% | 3.75% | 3.70% | +37 bps | |
| Efficiency Ratio | 59.87% | 60.76% | 60.51% | 52.81% | 49.96% | -991 bps | |
| Non-Interest Burden | 1.78% | 1.93% | 1.86% | 1.66% | 1.49% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.27% | 17.12% | 11.36% | 8.47% | 9.90% | -737 bps | |
| Loan Growth (YoY) | 24.27% | 17.41% | 12.84% | 13.35% | 10.52% | -1,375 bps | |
| Deposit Growth (YoY) | 18.01% | 18.70% | 11.52% | 8.10% | 9.71% | -830 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.01% | 1.71% | 2.00% | 1.85% | 1.69% | -32 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.14% | 0.10% | 0.01% | 0.08% | +6 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.92% | 0.92% | 0.95% | +3 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.41% | 9.73% | 9.66% | 10.26% | 9.96% | +55 bps | |
| Total Risk-Based Capital | 9.41% | 9.73% | 9.66% | 10.26% | 9.96% | +55 bps | |
| Equity / Assets | 9.42% | 9.49% | 9.68% | 10.06% | 9.88% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.60% | 93.01% | 93.71% | 97.31% | 93.29% | +69 bps | |
| Liquid Assets / Assets | 11.39% | 11.21% | 10.88% | 8.30% | 11.65% | +26 bps | |
| CRE / Total Capital | n/a | 296% | 281% | 279% | n/a | n/a | |