French Lick, IN · Cert 4419 · SVB&T Corp.
State charter, non-member · FDIC · 6 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
61
Profitability
72
Liquidity
57
Efficiency
70
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.
French Lick, IN · Cert 4419 · SVB&T Corp.
State charter, non-member · FDIC · 6 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.93% | 1.32% | 1.33% | 1.43% | 1.38% | 1.86% | 1.85% | +52 bps | |
| Return on Equity | 9.64% | 9.29% | 13.16% | 13.17% | 13.86% | 13.17% | 16.06% | 15.83% | +266 bps | |
| Net Interest Margin | 2.72% | 2.70% | 2.92% | 3.04% | 3.15% | 3.22% | 3.66% | 3.55% | +51 bps | |
| Efficiency Ratio | 73.72% | 75.01% | 63.85% | 64.33% | 64.21% | 63.90% | 55.99% | 57.32% | -701 bps | |
| Non-Interest Burden | 1.56% | 1.62% | 1.27% | 1.40% | 1.46% | 1.49% | 1.27% | 1.26% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 4.19% | 6.19% | 3.77% | 2.41% | 0.85% | 0.76% | 4.51% | +74 bps | |
| Loan Growth (YoY) | 3.00% | -0.94% | -2.70% | -1.90% | -2.32% | 3.06% | 8.49% | 8.15% | +1,005 bps | |
| Deposit Growth (YoY) | 8.06% | 5.86% | 7.83% | 6.63% | 1.64% | -0.27% | -0.62% | 3.20% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.27% | 0.23% | 0.27% | 0.25% | 0.13% | 0.15% | 0.14% | -13 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.02% | 0.12% | 0.14% | 0.09% | -0.01% | -0.11% | -24 bps | |
| Allowance / Loans | 1.41% | 1.41% | 1.46% | 1.38% | 1.37% | 1.37% | 1.38% | 1.43% | +4 bps | |
| Allowance Coverage of NPLs | 4.4x | 5.3x | 6.3x | 5.1x | 5.5x | 10.2x | 9.4x | 10.0x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 10.71% | 10.87% | 11.14% | 11.62% | 11.83% | 12.38% | 12.50% | +136 bps | |
| Total Risk-Based Capital | 13.39% | 13.73% | 14.28% | 14.47% | 14.91% | 15.01% | 15.23% | 15.45% | +97 bps | |
| Equity / Assets | 10.12% | 9.91% | 10.11% | 10.21% | 11.02% | 11.31% | 11.89% | 11.81% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.94% | 84.79% | 83.18% | 83.64% | 85.47% | 87.62% | 90.81% | 87.65% | +401 bps | |
| Liquid Assets / Assets | 0.78% | 1.25% | 1.27% | 1.23% | 1.19% | 0.84% | 0.80% | 1.22% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.98% | 192.64% | 192.99% | n/a | n/a | |
French Lick, IN · Cert 4419 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SVB&T Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.79%
Rank 91 of 746
Net Interest Margin
3.55%
Rank 426 of 746
Efficiency Ratio
57.32%
Rank 222 of 746
Equity / Assets
11.81%
Rank 249 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.79% | 0.72% | 1.06% | 1.45% | Beats 88% | 91 / 746 | ||
| Return on Equity | 15.17% | 6.74% | 10.51% | 13.63% | Beats 84% | 120 / 746 | ||
| Net Interest Margin | 3.55% | 3.17% | 3.68% | 4.16% | Beats 43% | 426 / 746 | ||
| Efficiency Ratio | 57.32% | 55.74% | 64.58% | 75.47% | Beats 70% | 222 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 219 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 374 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.17% | 11.55% | 13.75% | 17.60% | Beats 54% | 346 / 746 | ||
| Total Risk-Based Capital Ratio | 15.45% | 11.71% | 14.33% | 18.43% | Beats 59% | 305 / 746 | ||
| Equity / Assets | 11.81% | 8.90% | 10.51% | 13.06% | Beats 67% | 249 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.65% | 61.31% | 78.27% | 90.78% | 70th pctl | 227 / 746 | ||
| Loans / Assets | 76.53% | 53.60% | 66.97% | 76.08% | 76th pctl | 176 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||