Jeffersonville, IN · Cert 29961
FDIC · 16 branches
Q4 2025
Market Position · Louisville/Jefferson County, KY-IN · 2025 SOD (annual) · 3.1% share · #8 of 43 inst. · $1.4B of $45.0B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.08% | 1.11% | 1.10% | 1.13% | +19 bps | |
| Return on Equity | 10.57% | 12.04% | 12.56% | 12.39% | 12.54% | +197 bps | |
| Net Interest Margin | 2.56% | 2.82% | 2.80% | 2.83% | 2.87% | +31 bps | |
| Efficiency Ratio | 64.85% | 65.73% | 63.24% | 62.31% | 62.13% | -272 bps | |
| Non-Interest Burden | 1.45% | 1.64% | 1.52% | 1.50% | 1.51% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 0.41% | 0.90% | -2.11% | 0.27% | -321 bps | |
| Loan Growth (YoY) | 2.44% | 2.13% | 0.24% | -2.60% | 1.14% | -130 bps | |
| Deposit Growth (YoY) | 8.71% | 0.77% | 1.29% | -9.09% | -7.42% | -1,613 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.65% | 0.78% | 0.75% | 0.79% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.03% | 0.02% | 0.05% | 0.04% | +1 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.04% | 1.04% | 1.06% | -1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.6x | 1.3x | 1.4x | 1.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.33% | 9.08% | 9.03% | 9.25% | 9.55% | +22 bps | |
| Total Risk-Based Capital | 13.01% | 12.36% | 12.47% | 12.58% | 13.04% | +3 bps | |
| Equity / Assets | 9.22% | 8.67% | 8.64% | 9.10% | 9.55% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.95% | 108.30% | 113.60% | 114.17% | 114.64% | +970 bps | |
| Liquid Assets / Assets | 2.46% | 0.42% | 1.44% | 0.70% | 0.59% | -186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 484% | 477% | n/a | |