Martinsville, IN · Cert 29881
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.4% share · #27 of 49 inst. · $0.4B of $91.8B
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 | 0.37% | 0.48% | 0.56% | 0.61% | 0.65% | +28 bps | |
| Return on Equity | 4.80% | 6.07% | 6.98% | 6.91% | 7.23% | +243 bps | |
| Net Interest Margin | 2.77% | 2.80% | 2.92% | 3.08% | 3.17% | +40 bps | |
| Efficiency Ratio | 91.24% | 87.80% | 85.10% | 83.68% | 82.49% | -875 bps | |
| Non-Interest Burden | 2.45% | 2.34% | 2.33% | 2.43% | 2.45% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.62% | 4.04% | 2.90% | 2.26% | -0.05% | -167 bps | |
| Loan Growth (YoY) | 13.64% | 11.02% | 7.57% | 6.02% | 1.75% | -1,189 bps | |
| Deposit Growth (YoY) | 1.20% | -0.21% | -0.19% | 1.82% | 1.65% | +45 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.34% | 0.67% | 0.70% | 0.86% | -2 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | 0.00% | 0.04% | 0.03% | +7 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.11% | 1.10% | 1.12% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 3.3x | 1.7x | 1.6x | 1.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.96% | 11.87% | 12.26% | 12.21% | 12.46% | +51 bps | |
| Total Risk-Based Capital | 11.96% | 11.87% | 12.26% | 12.21% | 12.46% | +51 bps | |
| Equity / Assets | 7.43% | 8.37% | 8.79% | 8.84% | 9.28% | +185 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.35% | 72.09% | 71.53% | 70.48% | 70.42% | +7 bps | |
| Liquid Assets / Assets | 4.84% | 3.70% | 6.67% | 6.50% | 6.43% | +159 bps | |
| CRE / Total Capital | n/a | 160.17% | 155.87% | 152.93% | n/a | n/a | |