Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Evansville, IN · 2026 SOD (annual) · 2.9% share · #5 of 15 inst. · $0.4B of $13.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.43% | 0.57% | 0.29% | 0.45% | +18 bps | |
| Return on Equity | 3.29% | 5.20% | 6.61% | 3.22% | 4.92% | +162 bps | |
| Net Interest Margin | 2.60% | 2.77% | 2.83% | 2.89% | 3.02% | +42 bps | |
| Efficiency Ratio | 92.81% | 87.17% | 84.11% | 92.17% | 86.76% | -604 bps | |
| Non-Interest Burden | 2.35% | 2.31% | 2.24% | 2.59% | 2.51% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.67% | -4.20% | -2.81% | -4.32% | -4.88% | -21 bps | |
| Loan Growth (YoY) | -6.07% | -6.18% | -3.68% | -5.24% | -4.87% | +121 bps | |
| Deposit Growth (YoY) | 4.89% | 3.94% | 3.68% | -5.43% | -3.82% | -872 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.29% | 0.22% | 0.33% | 0.24% | -18 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | -0.07% | 0.00% | 0.01% | -8 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.09% | 1.14% | 1.15% | +7 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.7x | 4.9x | 3.5x | 4.9x | +2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.95% | 8.92% | 8.96% | 9.38% | 9.54% | +59 bps | |
| Total Risk-Based Capital | 13.88% | 14.01% | 14.26% | 9.38% | 9.54% | -434 bps | |
| Equity / Assets | 8.19% | 8.51% | 8.87% | 9.06% | 9.37% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.81% | 92.08% | 93.14% | 94.24% | 90.81% | -99 bps | |
| Liquid Assets / Assets | 2.07% | 2.63% | 1.86% | 2.05% | 1.94% | -12 bps | |
| CRE / Total Capital | n/a | 258% | 252% | 245% | n/a | n/a | |