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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 $1.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $205.0M14%Noninterest $34.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.79%, up 16 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 2.92% of loans (+98 bps YoY), with net recoveries of 0.21%.
  • 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.

Return on Assets (YTD, annualized)

0.79%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+30 bps YoY

Efficiency Ratio (YTD, annualized)

77.38%-117 bps YoY

Tier 1 Leverage Ratio

9.96%-39 bps YoY

NIM

5.16%Q2 ’245.17%Q2 ’255.08%Q2 ’26+4%+11%

Non-interest income vs. expense

2.68%Q2 ’242.50%Q2 ’252.68%Q2 ’26-3%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.53%0.59%0.63%0.66%0.68%0.82%0.79%+16 bps
Return on Equity5.40%6.36%7.52%8.05%8.40%8.49%9.89%9.46%+141 bps
Net Interest Margin2.64%2.61%2.86%2.82%2.94%2.89%3.13%3.12%+30 bps
Efficiency Ratio87.05%83.85%80.12%78.55%77.52%77.39%78.44%77.38%-117 bps
Non-Interest Burden2.24%2.11%2.22%2.14%2.19%2.16%2.39%2.34%+20 bps
Growth
Asset Growth (YoY)5.28%8.26%9.33%4.28%5.13%-1.04%7.24%6.24%+196 bps
Loan Growth (YoY)1.95%3.74%1.91%1.36%1.44%2.76%5.49%9.23%+787 bps
Deposit Growth (YoY)8.47%9.74%11.21%5.35%6.17%-1.94%7.58%6.95%+160 bps
Asset Quality
Nonperforming Loans / Loans2.03%1.78%1.78%1.94%2.00%1.70%2.70%2.92%+98 bps
Net Charge-Offs / Loans0.00%0.37%0.01%0.01%0.00%0.01%-0.37%-0.21%-22 bps
Allowance / Loans1.46%1.10%1.12%1.07%1.08%1.03%1.05%1.03%-3 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.6x0.5x0.6x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.99%10.50%10.41%10.35%10.65%10.20%10.18%9.96%-39 bps
Total Risk-Based Capital10.99%10.50%10.41%10.35%10.65%10.20%10.18%9.96%-39 bps
Equity / Assets8.53%7.81%7.83%7.87%8.13%8.64%7.97%8.60%+73 bps
Liquidity & Funding
Loans / Deposits79.94%77.03%76.00%78.30%76.38%80.72%74.52%79.98%+167 bps
Liquid Assets / Assets3.61%6.30%7.58%4.48%6.32%2.33%7.96%1.40%-307 bps
CRE / Total Capitaln/an/an/an/a172.98%167.04%160.27%n/an/a