French Lick, IN · Cert 4419 · SVB&T Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 0.97% | 0.83% | 1.32% | 1.34% | 1.63% | 1.25% | 1.86% | 1.85% | +51 bps | |
| Return on Equity | 9.79% | 8.24% | 13.16% | 13.18% | 15.32% | 11.23% | 16.06% | 15.60% | +242 bps | |
| Net Interest Margin | 2.79% | 2.83% | 2.92% | 3.17% | 3.33% | 3.50% | 3.66% | 3.53% | +36 bps | |
| Efficiency Ratio | 74.23% | 78.73% | 63.85% | 64.80% | 63.99% | 63.05% | 55.99% | 58.62% | -618 bps | |
| Non-Interest Burden | 1.63% | 1.87% | 1.27% | 1.54% | 1.55% | 1.62% | 1.27% | 1.29% | -25 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 | -0.01% | 0.11% | 0.02% | 0.23% | 0.17% | -0.02% | -0.01% | -0.22% | -45 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 | |