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Logansport Savings Bank

Logansport, IN · Cert 29907 · Logansport Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$276.5MAssets
$191.4MLoans
$239.3MDeposits
$23.8MEquity
Loan mix
84%RE $144.5M15%C&I $25.5M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $205.0M14%Noninterest $34.3MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.29%Q2 ’255.23%Q2 ’26+0%+14%

Non-interest income vs. expense

2.77%Q2 ’242.44%Q2 ’252.74%Q2 ’26-6%+13%

Executive Summary

  • Earnings: ROA of 0.75%, up 8 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 2.92% of loans (+98 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 9.96%, down 39 bps from a year ago.
  • Funding: loans stand at 79.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+39 bps YoY

Efficiency Ratio (quarter, annualized)

76.40%-57 bps YoY

Tier 1 Leverage Ratio

9.96%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.74%0.74%0.82%0.75%+8 bps
Return on Equity8.56%9.27%8.77%9.89%9.11%+55 bps
Net Interest Margin2.81%3.06%3.18%3.13%3.21%+39 bps
Efficiency Ratio76.97%75.59%77.06%78.44%76.40%-57 bps
Non-Interest Burden2.08%2.21%2.37%2.39%2.36%+28 bps
Growth
Asset Growth (YoY)4.28%5.13%-1.04%7.24%6.24%+196 bps
Loan Growth (YoY)1.36%1.44%2.76%5.49%9.23%+787 bps
Deposit Growth (YoY)5.35%6.17%-1.94%7.58%6.95%+160 bps
Asset Quality
Nonperforming Loans / Loans1.94%2.00%1.70%2.70%2.92%+98 bps
Net Charge-Offs / Loans0.00%0.00%0.03%-0.37%-0.07%-7 bps
Allowance / Loans1.07%1.08%1.03%1.05%1.03%-3 bps
Allowance Coverage of NPLs0.6x0.5x0.6x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.35%10.65%10.20%10.18%9.96%-39 bps
Total Risk-Based Capital10.35%10.65%10.20%10.18%9.96%-39 bps
Equity / Assets7.87%8.13%8.64%7.97%8.60%+73 bps
Liquidity & Funding
Loans / Deposits78.30%76.38%80.72%74.52%79.98%+167 bps
Liquid Assets / Assets4.48%6.32%2.33%7.96%1.40%-307 bps
CRE / Total Capitaln/a172.98%167.04%160.27%n/an/a