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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.08% | 1.15% | 1.08% | 1.22% | +4 bps | |
| Return on Equity | 12.98% | 12.04% | 13.27% | 12.22% | 13.10% | +13 bps | |
| Net Interest Margin | 2.65% | 2.82% | 2.84% | 2.89% | 2.96% | +31 bps | |
| Efficiency Ratio | 66.66% | 65.73% | 60.90% | 60.54% | 61.60% | -505 bps | |
| Non-Interest Burden | 1.46% | 1.64% | 1.44% | 1.44% | 1.55% | +8 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 | 0.02% | -0.03% | 0.06% | 0.13% | 0.01% | -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 | |