Evansville, IN · Cert 29566 · Pedcor Financial LLC
State savings bank · OCC · 22 branches
Q2 2026
Market Position · Evansville, IN · 2026 SOD (annual) · 27.9% share · #2 of 15 inst. · $3.8B of $13.6B
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 | -0.40% | -0.19% | -0.09% | -0.25% | -0.09% | +31 bps | |
| Return on Equity | -4.20% | -1.99% | -0.92% | -2.40% | -0.86% | +334 bps | |
| Net Interest Margin | -0.69% | -0.68% | -0.64% | -0.40% | -0.37% | +32 bps | |
| Efficiency Ratio | 98.11% | 99.24% | 100.00% | 161.33% | 127.86% | +2,975 bps | |
| Non-Interest Burden | -0.70% | -0.68% | -0.63% | 0.15% | -0.05% | +65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | -1.59% | -0.91% | 0.00% | 1.99% | +222 bps | |
| Loan Growth (YoY) | -5.24% | -5.09% | -4.39% | -4.68% | -3.32% | +192 bps | |
| Deposit Growth (YoY) | 0.78% | -1.58% | -0.90% | -0.62% | 1.50% | +72 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.82% | 0.63% | 0.47% | 0.49% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.48% | 9.77% | 10.08% | 10.13% | 10.16% | +68 bps | |
| Total Risk-Based Capital | 14.54% | 14.69% | 15.02% | 14.97% | 15.09% | +55 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.10% | 68.96% | 68.77% | 67.83% | 64.86% | -323 bps | |
| Liquid Assets / Assets | 10.28% | 10.40% | 10.34% | 10.24% | 9.94% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |