1st Source Bank
South Bend, IN · Cert 9087 · Peer group: banks $1B-$10B in assets (n=322-328) · 1st Source Corp.
State charter, Fed member · FED · 80 branches
Q2 2026
$9.3BAssets
$7.2BLoans
$7.4BDeposits
$1.3BEquity
Executive Summary
- Strongest standing: return on assets outperforms 92% of banks $1B-$10B in assets (rank 27 of 328).
- Widest gap: nonperforming loans / loans trails 75% of banks $1B-$10B in assets (rank 241 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.96%
Rank 27 of 328
Net Interest Margin
4.05%
Rank 52 of 328
Efficiency Ratio
46.45%
Rank 42 of 328
Equity / Assets
13.56%
Rank 39 of 328
Non-interest income vs. expense
Unfavorable gap of $121.9M · efficiency ratio beats 87% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.96% | 0.91% | 1.22% | 1.52% | Beats 92% | 27 / 328 | |
| Return on Equity | 14.48% | 8.43% | 11.45% | 14.43% | Beats 76% | 80 / 328 | |
| Net Interest Margin | 4.05% | 3.03% | 3.45% | 3.83% | Beats 84% | 52 / 328 | |
| Efficiency Ratio | 46.45% | 51.61% | 59.56% | 67.53% | Beats 87% | 42 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.24% | 0.51% | 1.03% | Beats 25% | 241 / 322 | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.10% | Beats 28% | 233 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.36% | 11.75% | 13.15% | 15.47% | Beats 74% | 85 / 328 | |
| Total Risk-Based Capital Ratio | 16.62% | 12.63% | 14.15% | 16.46% | Beats 77% | 75 / 328 | |
| Equity / Assets | 13.56% | 9.15% | 10.33% | 12.01% | Beats 88% | 39 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 97.20% | 76.63% | 87.92% | 95.36% | 80th pctl | 66 / 323 | |
| Loans / Assets | 78.03% | 65.18% | 74.15% | 79.98% | 68th pctl | 106 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |