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 (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 | 0.73% | 0.75% | 0.70% | 0.82% | 0.91% | 0.97% | 0.93% | 1.10% | +28 bps | |
| Return on Equity | 8.21% | 8.33% | 7.67% | 8.87% | 9.71% | 10.20% | 9.41% | 11.00% | +213 bps | |
| Net Interest Margin | 3.41% | 3.40% | 3.52% | 3.69% | 3.69% | 3.73% | 3.94% | 4.05% | +36 bps | |
| Efficiency Ratio | 73.54% | 73.15% | 74.33% | 71.45% | 70.43% | 69.01% | 69.60% | 65.97% | -548 bps | |
| Non-Interest Burden | 2.34% | 2.31% | 2.46% | 2.46% | 2.43% | 2.39% | 2.59% | 2.47% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | 4.43% | 4.73% | 2.21% | 6.64% | 4.08% | 2.32% | 5.19% | +298 bps | |
| Loan Growth (YoY) | 4.85% | 5.03% | 7.25% | 3.62% | 6.58% | 7.19% | 3.08% | 1.77% | -185 bps | |
| Deposit Growth (YoY) | 3.44% | 4.69% | 5.14% | 3.24% | 6.18% | 3.34% | 1.42% | 4.48% | +124 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.73% | 0.73% | 0.75% | 0.71% | 0.86% | 1.15% | 0.89% | +14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.09% | 0.12% | 0.07% | 0.08% | 0.02% | 0.10% | -2 bps | |
| Allowance / Loans | 0.97% | 1.09% | 1.08% | 1.08% | 1.09% | 1.08% | 1.13% | 1.13% | +5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.5x | 1.4x | 1.5x | 1.3x | 1.0x | 1.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.44% | 9.43% | 9.81% | 9.81% | 9.95% | 10.14% | 10.45% | +65 bps | |
| Total Risk-Based Capital | 9.48% | 9.44% | 9.43% | 9.81% | 9.81% | 9.95% | 10.14% | 10.45% | +65 bps | |
| Equity / Assets | 9.30% | 9.17% | 9.08% | 9.58% | 9.61% | 9.89% | 9.96% | 10.24% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.88% | 91.05% | 90.04% | 93.12% | 93.24% | 94.44% | 91.51% | 90.70% | -242 bps | |
| Liquid Assets / Assets | 4.47% | 7.08% | 8.28% | 6.96% | 4.51% | 3.42% | 6.37% | 6.46% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 188.52% | 181.99% | 169.76% | n/a | n/a | |