Greensburg, IN · Cert 30058
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.0% share · #40 of 49 inst. · $0.0B of $91.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.55% | 0.56% | 0.45% | 0.52% | +20 bps | |
| Return on Equity | 2.93% | 4.92% | 4.85% | 3.81% | 4.50% | +157 bps | |
| Net Interest Margin | 2.38% | 2.48% | 2.52% | 2.58% | 2.52% | +14 bps | |
| Efficiency Ratio | 86.57% | 75.70% | 78.18% | 81.42% | 78.84% | -773 bps | |
| Non-Interest Burden | 2.04% | 1.81% | 1.87% | 2.05% | 1.93% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.94% | -8.12% | -3.98% | -1.74% | 4.99% | +1,493 bps | |
| Loan Growth (YoY) | 3.00% | -1.41% | -2.25% | -1.09% | 0.01% | -298 bps | |
| Deposit Growth (YoY) | -11.73% | -9.52% | -5.82% | -2.93% | 4.52% | +1,624 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.32% | 1.11% | 1.07% | 1.13% | 1.18% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.45% | 1.45% | 1.43% | 1.41% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 1.4x | 1.3x | 1.2x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.21% | 13.16% | 12.56% | 13.35% | 12.33% | +12 bps | |
| Total Risk-Based Capital | 24.09% | 25.12% | 25.02% | 25.56% | 24.96% | +86 bps | |
| Equity / Assets | 10.80% | 11.70% | 11.60% | 11.99% | 11.19% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.09% | 66.73% | 64.07% | 67.60% | 62.28% | -280 bps | |
| Liquid Assets / Assets | 5.64% | 3.73% | 8.54% | 4.86% | 12.34% | +670 bps | |
| CRE / Total Capital | n/a | 38.65% | 42.01% | 40.42% | n/a | n/a | |