Huntington, IN · Cert 29690 · Northeast Indiana Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 1.0% share · #16 of 26 inst. · $0.1B of $11.1B
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 | 0.82% | 0.77% | 0.81% | 1.22% | 1.31% | 1.29% | 1.17% | 1.38% | +16 bps | |
| Return on Equity | 9.04% | 8.59% | 9.28% | 14.12% | 14.76% | 13.89% | 12.25% | 14.16% | +4 bps | |
| Net Interest Margin | 2.96% | 3.04% | 3.16% | 3.27% | 3.43% | 3.41% | 3.37% | 3.51% | +24 bps | |
| Efficiency Ratio | 62.42% | 64.97% | 60.67% | 56.01% | 57.28% | 58.06% | 59.44% | 55.52% | -48 bps | |
| Non-Interest Burden | 1.62% | 1.86% | 1.78% | 1.67% | 1.80% | 1.82% | 1.86% | 1.75% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.30% | 4.73% | 6.53% | 8.89% | 7.54% | 7.08% | 2.79% | -0.54% | -943 bps | |
| Loan Growth (YoY) | 7.41% | 5.70% | 9.09% | 11.85% | 10.53% | 8.69% | 2.10% | -2.49% | -1,434 bps | |
| Deposit Growth (YoY) | 7.27% | 7.12% | 9.75% | 10.49% | 8.43% | 6.23% | 3.59% | 0.60% | -989 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.16% | 1.27% | 0.67% | 1.45% | 1.18% | 1.26% | 1.90% | 1.88% | +43 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.02% | 0.96% | -0.02% | -0.01% | 0.01% | 0.00% | 0.05% | +7 bps | |
| Allowance / Loans | 1.62% | 1.70% | 1.52% | 1.53% | 1.53% | 1.53% | 1.58% | 1.64% | +11 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 2.3x | 1.1x | 1.3x | 1.2x | 0.8x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.08% | 10.07% | 9.98% | 10.03% | 10.10% | 10.27% | 10.46% | +49 bps | |
| Total Risk-Based Capital | 14.00% | 10.08% | 10.07% | 9.98% | 10.03% | 10.10% | 10.27% | 10.46% | +49 bps | |
| Equity / Assets | 9.13% | 8.84% | 8.67% | 8.62% | 9.12% | 9.44% | 9.63% | 9.87% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.76% | 92.19% | 94.55% | 94.20% | 94.57% | 94.33% | 93.18% | 91.30% | -290 bps | |
| Liquid Assets / Assets | 4.11% | 3.86% | 2.48% | 2.67% | 2.58% | 2.50% | 2.49% | 3.77% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 401% | 392% | 387% | n/a | n/a | |