Monterey, IN · Cert 4364
National charter · OCC · 4 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.80% | 0.87% | 1.09% | 1.10% | +32 bps | |
| Return on Equity | 7.94% | 7.86% | 8.40% | 9.68% | 9.73% | +179 bps | |
| Net Interest Margin | 2.43% | 2.49% | 2.54% | 2.78% | 2.80% | +37 bps | |
| Efficiency Ratio | 65.33% | 65.14% | 62.59% | 56.15% | 56.52% | -881 bps | |
| Non-Interest Burden | 1.53% | 1.56% | 1.52% | 1.46% | 1.49% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.08% | 2.58% | 2.55% | 4.56% | 3.62% | +54 bps | |
| Loan Growth (YoY) | 3.32% | 5.10% | 5.72% | 6.86% | 8.34% | +502 bps | |
| Deposit Growth (YoY) | 2.35% | 0.10% | -0.12% | 2.83% | 2.12% | -24 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.38% | 0.34% | 0.53% | 0.37% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 2.04% | 1.97% | 1.93% | 1.99% | 1.88% | -16 bps | |
| Allowance Coverage of NPLs | 9.2x | 5.2x | 5.6x | 3.7x | 5.1x | -4.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.64% | 12.93% | 12.89% | 13.13% | 13.13% | +49 bps | |
| Total Risk-Based Capital | 12.64% | 12.93% | 12.89% | 13.13% | 13.13% | +49 bps | |
| Equity / Assets | 10.05% | 11.09% | 11.29% | 11.21% | 11.31% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.30% | 66.54% | 66.58% | 62.66% | 66.09% | +379 bps | |
| Liquid Assets / Assets | 4.59% | 2.08% | 2.66% | 6.95% | 3.65% | -93 bps | |
| CRE / Total Capital | n/a | 37.51% | 37.66% | 36.33% | n/a | n/a | |