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 | |