Jeffersonville, IN · Cert 34732
FDIC
Q2 2026
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 | 7.56% | 7.27% | 3.99% | 7.71% | 12.40% | 10.64% | 13.24% | 12.70% | +500 bps | |
| Return on Equity | 8.34% | 8.02% | 4.39% | 8.69% | 13.90% | 11.85% | 14.30% | 13.73% | +505 bps | |
| Net Interest Margin | 3.06% | 2.97% | 2.90% | 2.68% | 2.64% | 2.53% | 2.07% | 2.01% | -67 bps | |
| Efficiency Ratio | 88.15% | 88.86% | 93.67% | 87.39% | 85.52% | 83.53% | 80.46% | 81.12% | -627 bps | |
| Non-Interest Burden | -7.04% | -6.43% | -2.56% | -8.17% | -9.96% | -11.45% | -15.61% | -14.20% | -604 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 8.60% | 1.47% | 16.84% | 11.26% | 9.34% | 11.37% | 4.42% | -1,242 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 92.59% | 91.57% | 89.57% | 91.68% | 94.30% | 93.33% | 95.12% | 90.76% | -92 bps | |
| Total Risk-Based Capital | 256% | 249% | 250% | 133.63% | 219% | 253% | 256% | 248% | +11,472 bps | |
| Equity / Assets | 92.92% | 90.89% | 90.96% | 84.75% | 90.51% | 92.22% | 92.92% | 92.39% | +765 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 30.40% | 26.11% | 23.10% | 20.83% | 21.53% | 15.44% | 9.63% | 6.59% | -1,424 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |