First National Bank
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
$418.5MAssets
$228.5MLoans
$383.1MDeposits
$32.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 70% of banks under $1B in assets (rank 187 of 629).
- Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 568 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 18% of banks under $1B in assets | 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 |