PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Federal Savings Bank

Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$575.6MAssets
$429.4MLoans
$472.8MDeposits
$53.9MEquity
Loan mix
83%RE $357.8M16%C&I $70.1M1%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $440.6M7%Noninterest $32.2MQ3 2024Q2 2026

Market Position · Evansville, IN · 2026 SOD (annual) · 2.9% share · #5 of 15 inst. · $0.4B of $13.6B

3.1% Vanderburgh
22.0% Pike
2.7% Daviess
2.2% Warrick

Executive Summary

  • Earnings: ROA of 0.37%, up 14 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.24% of loans (-18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.54%, up 59 bps from a year ago.
  • Funding: loans stand at 90.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.37%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

89.40%-486 bps YoY

Tier 1 Leverage Ratio

9.54%+59 bps YoY

NIM

4.94%Q2 ’244.93%Q2 ’255.08%Q2 ’26+4%+15%

Non-interest income vs. expense

2.75%Q2 ’242.93%Q2 ’253.17%Q2 ’26+7%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.32%0.18%0.22%0.29%0.36%0.29%0.37%+14 bps
Return on Equity4.02%4.14%2.26%2.78%3.59%4.37%3.22%4.05%+127 bps
Net Interest Margin2.54%2.54%2.54%2.59%2.63%2.67%2.89%2.97%+39 bps
Efficiency Ratio90.57%90.47%95.77%94.26%91.74%89.68%92.17%89.40%-486 bps
Non-Interest Burden2.23%2.23%2.39%2.38%2.34%2.31%2.59%2.57%+18 bps
Growth
Asset Growth (YoY)0.25%-4.26%-5.07%-4.67%-4.20%-2.81%-4.32%-4.88%-21 bps
Loan Growth (YoY)2.25%-1.71%-4.31%-6.07%-6.18%-3.68%-5.24%-4.87%+121 bps
Deposit Growth (YoY)-4.45%-4.25%2.37%4.89%3.94%3.68%-5.43%-3.82%-872 bps
Asset Quality
Nonperforming Loans / Loans1.60%2.01%1.87%0.42%0.29%0.22%0.33%0.24%-18 bps
Net Charge-Offs / Loans0.02%0.02%0.14%0.11%0.09%0.05%0.00%0.01%-11 bps
Allowance / Loans1.06%1.08%1.09%1.08%1.07%1.09%1.14%1.15%+7 bps
Allowance Coverage of NPLs0.7x0.5x0.6x2.6x3.7x4.9x3.5x4.9x+2.3x
Capital
Tier 1 Leverage Ratio8.36%8.41%8.80%8.95%8.92%8.96%9.38%9.54%+59 bps
Total Risk-Based Capital12.98%13.35%13.52%13.88%14.01%14.26%9.38%9.54%-434 bps
Equity / Assets8.03%7.90%8.12%8.19%8.51%8.87%9.06%9.37%+119 bps
Liquidity & Funding
Loans / Deposits102.01%100.26%94.05%91.81%92.08%93.14%94.24%90.81%-99 bps
Liquid Assets / Assets1.62%2.14%1.89%2.07%2.63%1.86%2.05%1.94%-12 bps
CRE / Total Capitaln/an/an/an/a258%252%245%n/an/a