Goshen, IN · Cert 57109
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Elkhart-Goshen, IN · 2026 SOD (annual) · 0.0% share · #16 of 16 inst. · $0.0B of $4.8B
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 | 21.42% | 12.47% | 6.12% | 10.43% | 16.17% | 5.41% | 22.42% | 16.17% | +573 bps | |
| Return on Equity | 32.69% | 16.95% | 6.76% | 11.60% | 18.21% | 6.15% | 27.36% | 19.61% | +800 bps | |
| Net Interest Margin | 2.63% | 2.21% | 2.20% | 2.53% | 3.28% | 3.50% | 3.48% | 4.16% | +163 bps | |
| Efficiency Ratio | 89.33% | 89.32% | 97.42% | 94.43% | 92.05% | 96.44% | 89.09% | 91.06% | -337 bps | |
| Non-Interest Burden | -28.44% | -22.73% | -3.91% | -12.23% | -21.68% | -10.10% | -34.40% | -22.43% | -1,020 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.00% | -9.49% | -9.33% | -4.96% | -19.94% | 16.30% | 38.25% | 20.80% | +2,576 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 88.67% | 75.72% | 77.64% | 89.79% | 103.37% | 119.35% | 114.71% | 96.81% | +702 bps | |
| Total Risk-Based Capital | 103.50% | 212% | 202% | 209% | 208% | 192.98% | 144.66% | 175.57% | -3,362 bps | |
| Equity / Assets | 61.98% | 89.80% | 91.12% | 88.78% | 88.79% | 87.19% | 77.58% | 87.71% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |