First State Bank of Middlebury
Middlebury, IN · Cert 8745 · Peer group: banks under $1B in assets (n=581-629) · Crystal Valley Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$836.2MAssets
$658.9MLoans
$651.3MDeposits
$97.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 79% of banks under $1B in assets (rank 134 of 629).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets (rank 477 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.56%
Rank 134 of 629
Net Interest Margin
3.88%
Rank 203 of 629
Efficiency Ratio
57.32%
Rank 147 of 629
Equity / Assets
11.62%
Rank 252 of 629
Non-interest income vs. expense
Unfavorable gap of $16.4M · efficiency ratio beats 77% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.60% | 1.01% | 1.45% | Beats 79% | 134 / 629 | | |
| Return on Equity | 13.43% | 5.38% | 9.30% | 13.28% | Beats 76% | 152 / 629 | | |
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 203 / 629 | | |
| Efficiency Ratio | 57.32% | 58.35% | 67.79% | 79.08% | Beats 77% | 147 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.09% | 0.46% | 1.20% | Beats 18% | 477 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 309 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.45% | 11.24% | 13.84% | 18.77% | Beats 67% | 207 / 629 | | |
| Total Risk-Based Capital Ratio | 17.70% | 11.58% | 14.43% | 19.66% | Beats 70% | 191 / 629 | | |
| Equity / Assets | 11.62% | 9.09% | 10.65% | 13.80% | Beats 60% | 252 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.16% | 67.24% | 80.90% | 93.48% | 87th pctl | 75 / 594 | | |
| Loans / Assets | 78.79% | 53.31% | 67.71% | 78.15% | 77th pctl | 144 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |