Connersville, IN · Cert 29933
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.0% share · #41 of 49 inst. · $0.0B of $91.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.09% | 1.13% | 0.93% | 1.27% | +33 bps | |
| Return on Equity | 10.05% | 11.34% | 11.59% | 9.41% | 12.57% | +252 bps | |
| Net Interest Margin | 3.81% | 3.90% | 3.98% | 3.94% | 4.16% | +35 bps | |
| Efficiency Ratio | 68.76% | 68.53% | 65.10% | 69.60% | 62.64% | -612 bps | |
| Non-Interest Burden | 2.42% | 2.49% | 2.38% | 2.59% | 2.35% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.21% | 6.64% | 4.08% | 2.32% | 5.19% | +298 bps | |
| Loan Growth (YoY) | 3.62% | 6.58% | 7.19% | 3.08% | 1.77% | -185 bps | |
| Deposit Growth (YoY) | 3.24% | 6.18% | 3.34% | 1.42% | 4.48% | +124 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.71% | 0.86% | 1.15% | 0.89% | +14 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.04% | 0.12% | 0.02% | 0.18% | +3 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.08% | 1.13% | 1.13% | +5 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.3x | 1.0x | 1.3x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.81% | 9.81% | 9.95% | 10.14% | 10.45% | +65 bps | |
| Total Risk-Based Capital | 9.81% | 9.81% | 9.95% | 10.14% | 10.45% | +65 bps | |
| Equity / Assets | 9.58% | 9.61% | 9.89% | 9.96% | 10.24% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.12% | 93.24% | 94.44% | 91.51% | 90.70% | -242 bps | |
| Liquid Assets / Assets | 6.96% | 4.51% | 3.42% | 6.37% | 6.46% | -50 bps | |
| CRE / Total Capital | n/a | 188.52% | 181.99% | 169.76% | n/a | n/a | |