Boonville, IN · Cert 30128
SI · FDIC · 1 branch
Q2 2026
Market Position · Evansville, IN · 2026 SOD (annual) · 0.4% share · #11 of 15 inst. · $0.1B of $13.6B
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 | 0.22% | 0.35% | 0.30% | 0.44% | 0.37% | 0.51% | 0.40% | 0.55% | +11 bps | |
| Return on Equity | 2.70% | 4.19% | 3.54% | 5.11% | 4.25% | 5.78% | 4.54% | 6.20% | +109 bps | |
| Net Interest Margin | 2.86% | 2.92% | 2.85% | 3.21% | 3.17% | 3.31% | 3.25% | 3.33% | +13 bps | |
| Efficiency Ratio | 82.61% | 85.66% | 85.83% | 78.41% | 84.14% | 72.55% | 84.55% | 77.78% | -63 bps | |
| Non-Interest Burden | 2.34% | 2.49% | 2.43% | 2.49% | 2.65% | 2.28% | 2.73% | 2.56% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 2.31% | -4.28% | -2.39% | -1.39% | -0.12% | 0.58% | 1.66% | +405 bps | |
| Loan Growth (YoY) | 6.32% | 5.85% | 2.67% | 0.78% | 5.12% | 4.78% | 3.63% | 8.30% | +751 bps | |
| Deposit Growth (YoY) | 12.96% | 15.65% | 8.00% | 3.05% | 4.59% | 4.18% | 1.20% | 3.28% | +23 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.52% | 1.22% | 0.38% | 0.97% | 1.16% | 0.47% | 0.89% | +51 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.48% | 0.08% | -0.07% | 0.01% | 0.10% | 0.02% | 0.00% | +7 bps | |
| Allowance / Loans | 0.89% | 0.78% | 0.79% | 0.90% | 0.92% | 1.02% | 1.04% | 1.03% | +13 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.5x | 0.6x | 2.3x | 0.9x | 0.9x | 2.2x | 1.2x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.17% | 8.39% | 8.52% | 8.58% | 8.62% | 8.86% | 8.75% | 8.85% | +27 bps | |
| Total Risk-Based Capital | 16.14% | 16.47% | 16.45% | 16.68% | 16.35% | 16.74% | 16.98% | 16.74% | +6 bps | |
| Equity / Assets | 8.30% | 8.45% | 8.55% | 8.51% | 8.79% | 8.86% | 8.93% | 8.82% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.61% | 97.16% | 94.49% | 93.81% | 97.10% | 97.72% | 96.75% | 98.37% | +456 bps | |
| Liquid Assets / Assets | 27.55% | 26.50% | 25.93% | 27.14% | 22.87% | 22.98% | 23.95% | 22.50% | -464 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 123.75% | 117.38% | 116.62% | n/a | n/a | |