Indianapolis, IN · Cert 33860 · National Bk Inpolis Corp.
National charter · OCC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
69
Profitability
59
Liquidity
73
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Indianapolis, IN · Cert 33860 · National Bk Inpolis Corp.
National charter · OCC · 13 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 2.9% share · #11 of 49 inst. · $2.7B of $91.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.06% | 1.17% | 1.26% | 1.26% | 1.28% | 1.23% | 1.37% | +11 bps | |
| Return on Equity | 15.22% | 15.70% | 18.18% | 18.72% | 18.18% | 18.22% | 16.57% | 18.16% | -55 bps | |
| Net Interest Margin | 2.68% | 2.62% | 2.86% | 2.88% | 3.04% | 2.92% | 2.99% | 3.04% | +16 bps | |
| Efficiency Ratio | 62.81% | 61.90% | 60.85% | 57.80% | 57.55% | 56.73% | 59.06% | 56.87% | -92 bps | |
| Non-Interest Burden | 1.33% | 1.27% | 1.40% | 1.26% | 1.33% | 1.23% | 1.38% | 1.28% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | 3.34% | 6.52% | 1.83% | -1.51% | 4.47% | 0.18% | 5.55% | +372 bps | |
| Loan Growth (YoY) | 6.28% | 6.54% | 3.53% | 7.07% | 10.90% | 10.81% | 15.95% | 16.07% | +900 bps | |
| Deposit Growth (YoY) | 11.11% | 4.50% | 7.57% | 2.06% | -1.87% | 3.41% | -0.94% | 1.35% | -71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.25% | 0.27% | 0.23% | 0.20% | 0.18% | 0.17% | 0.15% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.09% | 0.03% | 0.03% | 0.06% | 0.05% | 0.01% | 0.03% | -1 bps | |
| Allowance / Loans | 1.41% | 1.33% | 1.33% | 1.33% | 1.30% | 1.28% | 1.26% | 1.21% | -13 bps | |
| Allowance Coverage of NPLs | 27.0x | 5.3x | 5.0x | 5.7x | 6.3x | 7.3x | 7.6x | 8.0x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 8.33% | 8.48% | 8.65% | 9.23% | 8.92% | 8.95% | 9.29% | +64 bps | |
| Total Risk-Based Capital | 14.32% | 12.84% | 12.86% | 12.91% | 12.76% | 12.65% | 12.44% | 12.47% | -44 bps | |
| Equity / Assets | 7.17% | 6.38% | 6.45% | 7.36% | 7.53% | 7.37% | 7.43% | 7.82% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.24% | 66.46% | 62.41% | 70.17% | 71.47% | 71.22% | 73.05% | 80.36% | +1,020 bps | |
| Liquid Assets / Assets | 17.92% | 13.29% | 16.12% | 6.77% | 7.05% | 10.36% | 9.45% | 6.71% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 352% | 354% | n/a | n/a | |
Indianapolis, IN · Cert 33860 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · National Bk Inpolis Corp.
National charter · OCC · 13 branches
Q2 2026
Return on Assets
1.39%
Rank 88 of 258
Net Interest Margin
3.04%
Rank 207 of 258
Efficiency Ratio
56.87%
Rank 104 of 257
Equity / Assets
7.82%
Rank 242 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.93% | 1.23% | 1.54% | Beats 66% | 88 / 258 | ||
| Return on Equity | 17.79% | 9.26% | 11.84% | 14.74% | Beats 91% | 23 / 258 | ||
| Net Interest Margin | 3.04% | 3.16% | 3.49% | 3.88% | Beats 20% | 207 / 258 | ||
| Efficiency Ratio | 56.87% | 51.71% | 60.30% | 69.65% | Beats 60% | 104 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.19% | 0.46% | 0.90% | Beats 79% | 57 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 59% | 108 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.42% | 11.41% | 12.98% | 15.12% | Beats 25% | 193 / 258 | ||
| Total Risk-Based Capital Ratio | 12.47% | 12.10% | 13.91% | 16.08% | Beats 31% | 179 / 258 | ||
| Equity / Assets | 7.82% | 9.09% | 10.24% | 11.72% | Beats 6% | 242 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.36% | 73.24% | 86.34% | 95.95% | 38th pctl | 160 / 258 | ||
| Loans / Assets | 70.69% | 63.01% | 72.27% | 78.40% | 45th pctl | 143 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||