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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.55% | 0.49% | 0.48% | 0.58% | 0.40% | 0.38% | 0.47% | -1 bps | |
| Return on Equity | 9.17% | 7.78% | 6.94% | 6.83% | 8.16% | 5.43% | 5.08% | 6.07% | -76 bps | |
| Net Interest Margin | 2.94% | 2.91% | 2.78% | 2.79% | 2.88% | 2.89% | 2.81% | 2.87% | +9 bps | |
| Efficiency Ratio | 78.54% | 80.70% | 81.64% | 82.68% | 79.04% | 85.82% | 86.14% | 85.07% | +239 bps | |
| Non-Interest Burden | 2.21% | 2.25% | 2.19% | 2.22% | 2.18% | 2.42% | 2.36% | 2.37% | +15 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 | -0.01% | -0.04% | -0.01% | 0.02% | 0.00% | 0.03% | 0.03% | 0.01% | -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 | |