Cloverdale, IN · Cert 4324 · First National Bank Corp.
National charter · OCC · 7 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
36
Profitability
20
Liquidity
35
Efficiency
18
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.
Cloverdale, IN · Cert 4324 · First National Bank Corp.
National charter · OCC · 7 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.1% share · #36 of 49 inst. · $0.1B 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 | 0.55% | 0.55% | 0.49% | 0.48% | 0.51% | 0.49% | 0.38% | 0.42% | -6 bps | |
| Return on Equity | 8.14% | 8.10% | 6.94% | 6.89% | 7.28% | 6.79% | 5.08% | 5.58% | -131 bps | |
| Net Interest Margin | 2.87% | 2.85% | 2.78% | 2.74% | 2.78% | 2.78% | 2.81% | 2.81% | +7 bps | |
| Efficiency Ratio | 79.79% | 80.02% | 81.64% | 82.17% | 81.09% | 82.31% | 86.14% | 85.59% | +341 bps | |
| Non-Interest Burden | 2.20% | 2.19% | 2.19% | 2.17% | 2.17% | 2.21% | 2.36% | 2.34% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 0.57% | -0.04% | 3.13% | 1.94% | 2.90% | 3.96% | -1.05% | -418 bps | |
| Loan Growth (YoY) | 5.39% | 8.39% | 2.08% | 0.30% | 3.43% | 7.03% | 8.21% | 10.64% | +1,034 bps | |
| Deposit Growth (YoY) | -1.07% | 0.04% | -0.72% | 3.01% | 1.93% | 2.35% | 3.49% | -2.06% | -508 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.36% | 0.30% | 0.58% | 0.21% | 0.22% | 0.27% | 0.70% | +12 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | -0.01% | 0.00% | 0.00% | 0.01% | 0.03% | 0.02% | +1 bps | |
| Allowance / Loans | 2.12% | 2.07% | 2.16% | 2.11% | 2.06% | 1.92% | 1.98% | 1.89% | -22 bps | |
| Allowance Coverage of NPLs | 6.2x | 5.8x | 7.3x | 3.6x | 9.7x | 8.8x | 7.3x | 2.7x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.22% | 9.49% | 9.29% | 9.34% | 9.30% | 9.66% | 9.50% | +21 bps | |
| Total Risk-Based Capital | 18.43% | 18.25% | 18.99% | 18.55% | 18.64% | 18.01% | 18.67% | 17.96% | -59 bps | |
| Equity / Assets | 7.31% | 6.95% | 7.18% | 6.80% | 7.37% | 7.47% | 7.65% | 7.69% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.64% | 55.30% | 54.29% | 52.81% | 55.45% | 57.83% | 56.77% | 59.66% | +685 bps | |
| Liquid Assets / Assets | 17.13% | 17.53% | 18.78% | 22.82% | 19.36% | 15.66% | 17.22% | 14.33% | -850 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.18% | 149.02% | 158.94% | n/a | n/a | |
Cloverdale, IN · Cert 4324 · Peer group: banks under $1B in assets (n=581-629) · First National Bank Corp.
National charter · OCC · 7 branches
Q2 2026
Return on Assets
0.43%
Rank 517 of 629
Net Interest Margin
2.81%
Rank 525 of 629
Efficiency Ratio
85.59%
Rank 519 of 629
Equity / Assets
7.69%
Rank 568 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.60% | 1.01% | 1.45% | Beats 18% | 517 / 629 | ||
| Return on Equity | 5.56% | 5.38% | 9.30% | 13.28% | Beats 26% | 465 / 629 | ||
| Net Interest Margin | 2.81% | 3.03% | 3.54% | 4.05% | Beats 17% | 525 / 629 | ||
| Efficiency Ratio | 85.59% | 58.35% | 67.79% | 79.08% | Beats 18% | 519 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.46% | 1.20% | Beats 39% | 357 / 581 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 32% | 394 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.70% | 11.24% | 13.84% | 18.77% | Beats 68% | 200 / 629 | ||
| Total Risk-Based Capital Ratio | 17.96% | 11.58% | 14.43% | 19.66% | Beats 70% | 187 / 629 | ||
| Equity / Assets | 7.69% | 9.09% | 10.65% | 13.80% | Beats 10% | 568 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.66% | 67.24% | 80.90% | 93.48% | 18th pctl | 490 / 594 | ||
| Loans / Assets | 54.60% | 53.31% | 67.71% | 78.15% | 26th pctl | 463 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||