Wabash, IN · Cert 29839 · FFW Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
40
Profitability
48
Liquidity
78
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wabash, IN · Cert 29839 · FFW Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.9% share · #17 of 26 inst. · $0.1B of $11.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.83% | 0.95% | 0.98% | 1.00% | 1.03% | 1.12% | 1.13% | +16 bps | |
| Return on Equity | 9.99% | 10.74% | 12.17% | 12.42% | 12.53% | 12.67% | 13.24% | 13.33% | +92 bps | |
| Net Interest Margin | 2.49% | 2.51% | 2.79% | 2.86% | 2.95% | 2.97% | 3.10% | 3.07% | +21 bps | |
| Efficiency Ratio | 74.84% | 72.81% | 69.91% | 69.50% | 69.11% | 68.42% | 66.05% | 65.83% | -366 bps | |
| Non-Interest Burden | 1.72% | 1.67% | 1.76% | 1.80% | 1.85% | 1.84% | 1.84% | 1.80% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.64% | 4.63% | 2.82% | 0.75% | -0.64% | 1.09% | 4.36% | 7.67% | +692 bps | |
| Loan Growth (YoY) | 5.79% | 4.28% | 2.80% | 2.60% | 1.72% | 3.22% | 5.18% | 6.38% | +377 bps | |
| Deposit Growth (YoY) | 7.04% | 5.64% | 0.54% | -1.66% | -7.22% | -2.84% | 5.22% | 7.16% | +882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 2.05% | 2.03% | 1.89% | 1.70% | 1.54% | 1.45% | 1.41% | -47 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.32% | 1.33% | 1.34% | 1.33% | 1.32% | 1.32% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.6x | 0.6x | 0.7x | 0.8x | 0.9x | 0.9x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 9.01% | 9.29% | 9.41% | 9.60% | 9.64% | 9.69% | 9.49% | +8 bps | |
| Total Risk-Based Capital | 14.48% | 9.01% | 14.13% | 14.94% | 15.20% | 15.14% | 14.38% | 15.19% | +25 bps | |
| Equity / Assets | 7.87% | 7.67% | 7.97% | 7.99% | 8.37% | 8.53% | 8.43% | 8.53% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.28% | 80.42% | 84.40% | 83.74% | 88.02% | 85.43% | 84.37% | 83.13% | -61 bps | |
| Liquid Assets / Assets | 1.75% | 1.66% | 0.62% | 0.63% | 0.77% | 0.64% | 1.85% | 3.73% | +310 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 159.91% | 169.41% | 177.65% | n/a | n/a | |
Wabash, IN · Cert 29839 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FFW Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.10%
Rank 350 of 746
Net Interest Margin
3.07%
Rank 593 of 746
Efficiency Ratio
65.83%
Rank 401 of 746
Equity / Assets
8.53%
Rank 598 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 350 / 746 | ||
| Return on Equity | 12.95% | 6.74% | 10.51% | 13.63% | Beats 69% | 229 / 746 | ||
| Net Interest Margin | 3.07% | 3.17% | 3.68% | 4.16% | Beats 21% | 593 / 746 | ||
| Efficiency Ratio | 65.83% | 55.74% | 64.58% | 75.47% | Beats 46% | 401 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.09% | 0.42% | 1.07% | Beats 18% | 609 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 61% | 291 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.93% | 11.55% | 13.75% | 17.60% | Beats 52% | 360 / 746 | ||
| Total Risk-Based Capital Ratio | 15.19% | 11.71% | 14.33% | 18.43% | Beats 57% | 319 / 746 | ||
| Equity / Assets | 8.53% | 8.90% | 10.51% | 13.06% | Beats 20% | 598 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.13% | 61.31% | 78.27% | 90.78% | 61st pctl | 293 / 746 | ||
| Loans / Assets | 74.04% | 53.60% | 66.97% | 76.08% | 68th pctl | 235 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||