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 (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 | 1.32% | 1.28% | 1.36% | 1.23% | 1.50% | +18 bps | |
| Return on Equity | 19.19% | 17.18% | 18.20% | 16.57% | 19.73% | +55 bps | |
| Net Interest Margin | 2.91% | 3.10% | 2.95% | 2.99% | 3.07% | +16 bps | |
| Efficiency Ratio | 54.93% | 57.06% | 54.39% | 59.06% | 54.83% | -10 bps | |
| Non-Interest Burden | 1.13% | 1.35% | 1.10% | 1.38% | 1.15% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.83% | -1.51% | 4.47% | 0.18% | 5.55% | +372 bps | |
| Loan Growth (YoY) | 7.07% | 10.90% | 10.81% | 15.95% | 16.07% | +900 bps | |
| Deposit Growth (YoY) | 2.06% | -1.87% | 3.41% | -0.94% | 1.35% | -71 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.20% | 0.18% | 0.17% | 0.15% | -8 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.12% | 0.01% | 0.01% | 0.04% | 0 bps | |
| Allowance / Loans | 1.33% | 1.30% | 1.28% | 1.26% | 1.21% | -13 bps | |
| Allowance Coverage of NPLs | 5.7x | 6.3x | 7.3x | 7.6x | 8.0x | +2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.65% | 9.23% | 8.92% | 8.95% | 9.29% | +64 bps | |
| Total Risk-Based Capital | 12.91% | 12.76% | 12.65% | 12.44% | 12.47% | -44 bps | |
| Equity / Assets | 7.36% | 7.53% | 7.37% | 7.43% | 7.82% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.17% | 71.47% | 71.22% | 73.05% | 80.36% | +1,020 bps | |
| Liquid Assets / Assets | 6.77% | 7.05% | 10.36% | 9.45% | 6.71% | -6 bps | |
| CRE / Total Capital | n/a | 337% | 352% | 354% | n/a | n/a | |