PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Savings Bank

Jeffersonville, IN · Cert 29961

FDIC · 16 branches

Q4 2025

$2.4BAssets
$2.0BLoans
$1.7BDeposits
$228.8MEquity
Loan mix
94%RE $1.8B5%C&I $0.1B0%Consumer $0.0BQ1 2024Q4 2025
Deposit mix
88%Interest-bearing $1.5B12%Noninterest $0.2BQ1 2024Q4 2025

Market Position · Louisville/Jefferson County, KY-IN · 2025 SOD (annual) · 3.1% share · #8 of 43 inst. · $1.4B of $45.0B

22.8% Clark
25.2% Harrison
22.7% Daviess
100.0% Crawford

Executive Summary

  • Earnings: ROA of 1.13%, up 19 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.79% of loans (-8 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.55%, up 22 bps from a year ago.
  • Funding: loans stand at 114.64% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

1.13%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+31 bps YoY

Efficiency Ratio (YTD, annualized)

62.13%-272 bps YoY

Tier 1 Leverage Ratio

9.55%+22 bps YoY

NIM

4.63%Q4 ’235.12%Q4 ’245.24%Q4 ’25-4%+12%

Non-interest income vs. expense

3.10%Q4 ’232.05%Q4 ’242.23%Q4 ’25-32%+5%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.01%0.92%0.86%0.95%1.08%1.11%1.10%1.13%+19 bps
Return on Equity11.33%10.38%9.71%10.57%12.04%12.56%12.39%12.54%+197 bps
Net Interest Margin2.58%2.55%2.56%2.56%2.82%2.80%2.83%2.87%+31 bps
Efficiency Ratio60.20%63.36%64.14%64.85%65.73%63.24%62.31%62.13%-272 bps
Non-Interest Burden1.30%1.42%1.46%1.45%1.64%1.52%1.50%1.51%+7 bps
Growth
Asset Growth (YoY)5.79%6.07%7.05%3.48%0.41%0.90%-2.11%0.27%-321 bps
Loan Growth (YoY)15.46%11.37%9.70%2.44%2.13%0.24%-2.60%1.14%-130 bps
Deposit Growth (YoY)15.45%2.83%11.51%8.71%0.77%1.29%-9.09%-7.42%-1,613 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.86%0.85%0.86%0.65%0.78%0.75%0.79%-8 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.03%-0.03%0.02%0.05%0.04%+1 bps
Allowance / Loans1.01%1.00%1.06%1.07%1.04%1.04%1.04%1.06%-1 bps
Allowance Coverage of NPLs1.2x1.2x1.2x1.2x1.6x1.3x1.4x1.3x+0.1x
Capital
Tier 1 Leverage Ratio9.21%9.19%9.18%9.33%9.08%9.03%9.25%9.55%+22 bps
Total Risk-Based Capital12.20%12.26%12.42%13.01%12.36%12.47%12.58%13.04%+3 bps
Equity / Assets8.82%8.83%8.96%9.22%8.67%8.64%9.10%9.55%+34 bps
Liquidity & Funding
Loans / Deposits106.85%114.80%106.56%104.95%108.30%113.60%114.17%114.64%+970 bps
Liquid Assets / Assets2.05%0.99%0.58%2.46%0.42%1.44%0.70%0.59%-186 bps
CRE / Total Capitaln/an/an/an/an/an/a484%477%n/a