First Savings Bank
Jeffersonville, IN · Cert 29961 · Peer group: banks $1B-$10B in assets operating in a single state (n=291)
FDIC · 16 branches
Q4 2025
$2.4BAssets
$2.0BLoans
$1.7BDeposits
$228.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 60% of banks $1B-$10B in assets operating in a single state (rank 115 of 291).
- Widest gap: brokered deposits / deposits trails 82% of banks $1B-$10B in assets operating in a single state (rank 240 of 291).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.13%
Rank 130 of 291
Net Interest Margin
2.87%
Rank 220 of 291
Efficiency Ratio
62.32%
Rank 143 of 291
Equity / Assets
9.55%
Rank 185 of 291
Non-interest income vs. expense
Unfavorable gap of $36.7M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.77% | 1.08% | 1.38% | Beats 55% | 130 / 291 | |
| Return on Equity | 11.86% | 7.32% | 10.65% | 13.44% | Beats 60% | 115 / 291 | |
| Net Interest Margin | 2.87% | 2.87% | 3.26% | 3.64% | Beats 24% | 220 / 291 | |
| Efficiency Ratio | 62.32% | 53.70% | 62.43% | 71.11% | Beats 51% | 143 / 291 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.20% | 0.45% | 0.94% | Beats 30% | 205 / 291 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.90% | 11.63% | 13.30% | 15.17% | Beats 29% | 207 / 291 | |
| Total Risk-Based Capital Ratio | 13.04% | 12.45% | 14.22% | 16.30% | Beats 34% | 193 / 291 | |
| Equity / Assets | 9.55% | 9.03% | 10.11% | 11.78% | Beats 36% | 185 / 291 | |
| Liquidity & Funding |
| Loans / Deposits | 114.64% | 73.51% | 85.84% | 95.31% | 94th pctl | 17 / 291 | |
| Loans / Assets | 81.50% | 62.85% | 72.57% | 78.58% | 83rd pctl | 49 / 291 | |
| Brokered Deposits / Deposits | 10.87% | n/a | 1.32% | 7.87% | Beats 18% | 240 / 291 | |