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Boonville Federal Savings Bank

Boonville, IN · Cert 30128

SI · FDIC · 1 branch

Q2 2026

$71.5MAssets
$52.2MLoans
$53.1MDeposits
$6.3MEquity
Loan mix
77%RE $38.1M14%C&I $6.8M10%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $49.2M7%Noninterest $3.9MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.93%Q2 ’255.98%Q2 ’26+23%+4%

Non-interest income vs. expense

2.36%Q2 ’242.60%Q2 ’252.71%Q2 ’26+11%+3%

Market Position · Evansville, IN · 2026 SOD (annual) · 0.4% share · #11 of 15 inst. · $0.1B of $13.6B

Executive Summary

  • Earnings: ROA of 0.55%, up 11 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.89% of loans (+51 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.85%, up 27 bps from a year ago.
  • Funding: loans stand at 98.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+13 bps YoY

Efficiency Ratio (quarter, annualized)

77.78%-63 bps YoY

Tier 1 Leverage Ratio

8.85%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.37%0.51%0.40%0.55%+11 bps
Return on Equity5.11%4.25%5.78%4.54%6.20%+109 bps
Net Interest Margin3.21%3.17%3.31%3.25%3.33%+13 bps
Efficiency Ratio78.41%84.14%72.55%84.55%77.78%-63 bps
Non-Interest Burden2.49%2.65%2.28%2.73%2.56%+7 bps
Growth
Asset Growth (YoY)-2.39%-1.39%-0.12%0.58%1.66%+405 bps
Loan Growth (YoY)0.78%5.12%4.78%3.63%8.30%+751 bps
Deposit Growth (YoY)3.05%4.59%4.18%1.20%3.28%+23 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.97%1.16%0.47%0.89%+51 bps
Net Charge-Offs / Loans-0.07%0.01%0.10%0.02%0.00%+7 bps
Allowance / Loans0.90%0.92%1.02%1.04%1.03%+13 bps
Allowance Coverage of NPLs2.3x0.9x0.9x2.2x1.2x-1.2x
Capital
Tier 1 Leverage Ratio8.58%8.62%8.86%8.75%8.85%+27 bps
Total Risk-Based Capital16.68%16.35%16.74%16.98%16.74%+6 bps
Equity / Assets8.51%8.79%8.86%8.93%8.82%+31 bps
Liquidity & Funding
Loans / Deposits93.81%97.10%97.72%96.75%98.37%+456 bps
Liquid Assets / Assets27.14%22.87%22.98%23.95%22.50%-464 bps
CRE / Total Capitaln/a123.75%117.38%116.62%n/an/a