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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.47% | 0.17% | 0.32% | 0.55% | 0.56% | 0.45% | 0.52% | +20 bps | |
| Return on Equity | 3.59% | 4.65% | 1.64% | 2.93% | 4.92% | 4.85% | 3.81% | 4.50% | +157 bps | |
| Net Interest Margin | 1.92% | 2.13% | 2.20% | 2.38% | 2.48% | 2.52% | 2.58% | 2.52% | +14 bps | |
| Efficiency Ratio | 85.88% | 80.94% | 93.20% | 86.57% | 75.70% | 78.18% | 81.42% | 78.84% | -773 bps | |
| Non-Interest Burden | 1.57% | 1.68% | 2.03% | 2.04% | 1.81% | 1.87% | 2.05% | 1.93% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.55% | -11.89% | -9.59% | -9.94% | -8.12% | -3.98% | -1.74% | 4.99% | +1,493 bps | |
| Loan Growth (YoY) | -2.46% | -2.39% | -1.03% | 3.00% | -1.41% | -2.25% | -1.09% | 0.01% | -298 bps | |
| Deposit Growth (YoY) | -13.17% | -13.17% | -11.18% | -11.73% | -9.52% | -5.82% | -2.93% | 4.52% | +1,624 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.48% | 1.28% | 0.90% | 1.32% | 1.11% | 1.07% | 1.13% | 1.18% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.43% | 1.43% | 1.43% | 1.45% | 1.45% | 1.43% | 1.41% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.6x | 1.1x | 1.3x | 1.4x | 1.3x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.63% | 11.46% | 12.79% | 12.21% | 13.16% | 12.56% | 13.35% | 12.33% | +12 bps | |
| Total Risk-Based Capital | 23.66% | 23.57% | 24.67% | 24.09% | 25.12% | 25.02% | 25.56% | 24.96% | +86 bps | |
| Equity / Assets | 10.33% | 9.89% | 10.82% | 10.80% | 11.70% | 11.60% | 11.99% | 11.19% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.25% | 61.73% | 66.34% | 65.09% | 66.73% | 64.07% | 67.60% | 62.28% | -280 bps | |
| Liquid Assets / Assets | 8.21% | 8.50% | 3.31% | 5.64% | 3.73% | 8.54% | 4.86% | 12.34% | +670 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 38.65% | 42.01% | 40.42% | n/a | n/a | |