Middlebury, IN · Cert 8745 · Crystal Valley Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Elkhart-Goshen, IN · 2026 SOD (annual) · 12.8% share · #4 of 16 inst. · $0.6B 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 | 1.40% | 1.42% | 1.33% | 1.42% | 1.49% | 1.30% | 1.56% | 1.59% | +17 bps | |
| Return on Equity | 14.26% | 14.33% | 12.90% | 13.61% | 14.05% | 12.02% | 13.56% | 13.78% | +17 bps | |
| Net Interest Margin | 3.42% | 3.45% | 3.56% | 3.72% | 3.72% | 3.82% | 3.84% | 3.88% | +16 bps | |
| Efficiency Ratio | 54.40% | 55.81% | 60.67% | 57.70% | 57.49% | 57.01% | 57.14% | 57.32% | -38 bps | |
| Non-Interest Burden | 1.41% | 1.53% | 1.94% | 1.90% | 1.89% | 1.92% | 1.94% | 1.95% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 0.78% | 3.55% | 3.66% | 2.39% | 3.24% | 1.41% | 3.08% | -59 bps | |
| Loan Growth (YoY) | 8.18% | 4.59% | 5.37% | 5.92% | 5.18% | 4.96% | 3.16% | 3.59% | -234 bps | |
| Deposit Growth (YoY) | 3.13% | 2.68% | 6.32% | 9.65% | 4.32% | 4.91% | -0.66% | -3.08% | -1,272 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.13% | 0.28% | 0.29% | 0.38% | 1.70% | 1.62% | 1.55% | +126 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.23% | 1.24% | 1.24% | 1.25% | 1.25% | 1.66% | 1.68% | 1.65% | +40 bps | |
| Allowance Coverage of NPLs | 6.1x | 9.3x | 4.4x | 4.2x | 3.3x | 1.0x | 1.0x | 1.1x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 12.41% | 12.58% | 12.78% | 12.89% | 13.03% | 13.18% | 13.37% | +59 bps | |
| Total Risk-Based Capital | 17.15% | 17.40% | 17.21% | 17.27% | 17.63% | 17.59% | 17.79% | 17.70% | +43 bps | |
| Equity / Assets | 10.40% | 10.23% | 10.45% | 10.56% | 11.23% | 11.53% | 11.48% | 11.62% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.00% | 98.27% | 95.01% | 94.65% | 96.79% | 98.32% | 98.66% | 101.16% | +650 bps | |
| Liquid Assets / Assets | 0.92% | 0.09% | 0.72% | 0.38% | 0.65% | 0.06% | 0.15% | 0.38% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 275% | 276% | 274% | n/a | n/a | |