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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.51% | 0.49% | 0.38% | 0.42% | -6 bps | |
| Return on Equity | 6.89% | 7.28% | 6.79% | 5.08% | 5.58% | -131 bps | |
| Net Interest Margin | 2.74% | 2.78% | 2.78% | 2.81% | 2.81% | +7 bps | |
| Efficiency Ratio | 82.17% | 81.09% | 82.31% | 86.14% | 85.59% | +341 bps | |
| Non-Interest Burden | 2.17% | 2.17% | 2.21% | 2.36% | 2.34% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 1.94% | 2.90% | 3.96% | -1.05% | -418 bps | |
| Loan Growth (YoY) | 0.30% | 3.43% | 7.03% | 8.21% | 10.64% | +1,034 bps | |
| Deposit Growth (YoY) | 3.01% | 1.93% | 2.35% | 3.49% | -2.06% | -508 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.21% | 0.22% | 0.27% | 0.70% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.03% | 0.02% | +1 bps | |
| Allowance / Loans | 2.11% | 2.06% | 1.92% | 1.98% | 1.89% | -22 bps | |
| Allowance Coverage of NPLs | 3.6x | 9.7x | 8.8x | 7.3x | 2.7x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.34% | 9.30% | 9.66% | 9.50% | +21 bps | |
| Total Risk-Based Capital | 18.55% | 18.64% | 18.01% | 18.67% | 17.96% | -59 bps | |
| Equity / Assets | 6.80% | 7.37% | 7.47% | 7.65% | 7.69% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.81% | 55.45% | 57.83% | 56.77% | 59.66% | +685 bps | |
| Liquid Assets / Assets | 22.82% | 19.36% | 15.66% | 17.22% | 14.33% | -850 bps | |
| CRE / Total Capital | n/a | 145.18% | 149.02% | 158.94% | n/a | n/a | |