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First Savings Bank

Jeffersonville, IN · Cert 29961 · Peer group: banks $1B-$10B in assets operating in a single state (n=293)

FDIC · 16 branches

Q4 2025

$2.4BAssets
$2.0BLoans
$1.7BDeposits
$228.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 61% of banks $1B-$10B in assets operating in a single state (rank 115 of 293).
  • Widest gap: brokered deposits / deposits trails 82% of banks $1B-$10B in assets operating in a single state (rank 241 of 293).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.13%

Rank 131 of 293

Net Interest Margin

2.87%

Rank 223 of 293

Efficiency Ratio

62.32%

Rank 146 of 293

Equity / Assets

9.55%

Rank 185 of 293

Non-interest income vs. expense

$17.4M$54.0MINCOMEEXPENSE
Unfavorable gap of $36.7M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state
Bank 62.32%Peer median 62.4%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%0.78%1.08%1.37%Beats 55%131 / 293
Return on Equity11.86%7.54%10.71%13.42%Beats 61%115 / 293
Net Interest Margin2.87%2.90%3.26%3.64%Beats 24%223 / 293
Efficiency Ratio62.32%53.70%62.37%70.86%Beats 51%146 / 293
Asset Quality
Nonperforming Loans / Loans0.79%0.20%0.45%0.94%Beats 30%206 / 293
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.90%11.58%13.17%15.13%Beats 30%206 / 293
Total Risk-Based Capital Ratio13.04%12.40%14.02%16.17%Beats 34%192 / 293
Equity / Assets9.55%9.03%10.09%11.77%Beats 37%185 / 293
Liquidity & Funding
Loans / Deposits114.64%73.95%86.02%95.31%94th pctl17 / 293
Loans / Assets81.50%63.41%72.88%78.58%83rd pctl49 / 293
Brokered Deposits / Deposits10.87%n/a1.43%7.87%Beats 18%241 / 293