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 (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 | 14.17% | 14.23% | 6.12% | 8.28% | 11.02% | 9.53% | 22.42% | 19.63% | +1,136 bps | |
| Return on Equity | 21.39% | 20.23% | 6.76% | 9.21% | 12.30% | 10.70% | 27.36% | 23.41% | +1,420 bps | |
| Net Interest Margin | 2.85% | 2.30% | 2.20% | 2.50% | 2.93% | 3.37% | 3.48% | 3.48% | +98 bps | |
| Efficiency Ratio | 92.01% | 91.30% | 97.42% | 95.93% | 94.57% | 95.08% | 89.09% | 90.11% | -582 bps | |
| Non-Interest Burden | -18.18% | -16.85% | -3.91% | -8.32% | -13.32% | -13.89% | -34.40% | -25.04% | -1,672 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 | |