Mooresville, IN · Cert 9647 · Citba Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
60
Profitability
48
Liquidity
82
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mooresville, IN · Cert 9647 · Citba Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.7% share · #21 of 49 inst. · $0.6B of $91.8B
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 | 0.61% | 0.59% | 1.29% | 1.08% | 1.03% | 1.01% | 0.98% | 0.98% | -10 bps | |
| Return on Equity | 6.92% | 6.64% | 14.55% | 12.14% | 11.41% | 11.15% | 10.62% | 10.52% | -162 bps | |
| Net Interest Margin | 2.88% | 2.96% | 3.29% | 3.29% | 3.14% | 3.16% | 3.27% | 3.35% | +6 bps | |
| Efficiency Ratio | 80.42% | 81.89% | 63.57% | 67.76% | 69.25% | 69.33% | 71.90% | 70.89% | +313 bps | |
| Non-Interest Burden | 2.20% | 2.32% | 1.67% | 1.95% | 1.95% | 1.98% | 2.19% | 2.22% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | -0.71% | 1.68% | 1.91% | 8.51% | 8.23% | 6.51% | 4.12% | +221 bps | |
| Loan Growth (YoY) | 6.37% | 4.50% | 6.77% | 5.11% | 5.95% | 5.79% | 3.39% | 4.12% | -99 bps | |
| Deposit Growth (YoY) | 0.00% | -0.83% | 1.47% | 1.40% | 10.11% | 7.43% | 6.35% | 3.61% | +221 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.05% | 0.09% | +7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.32% | 1.29% | 1.30% | 1.31% | 1.28% | 1.29% | 1.27% | 1.26% | -5 bps | |
| Allowance Coverage of NPLs | 43.2x | 46.5x | 66.3x | 59.9x | 62.5x | 51.7x | 26.2x | 14.2x | -45.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.91% | 9.92% | 9.97% | 10.11% | 9.77% | 9.80% | 9.69% | 9.78% | -33 bps | |
| Total Risk-Based Capital | 14.44% | 13.69% | 13.51% | 13.58% | 14.16% | 13.83% | 13.63% | 13.59% | +1 bps | |
| Equity / Assets | 9.29% | 8.80% | 8.90% | 9.06% | 9.17% | 9.50% | 9.03% | 9.41% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.52% | 74.46% | 74.14% | 74.72% | 71.71% | 73.33% | 72.08% | 75.09% | +37 bps | |
| Liquid Assets / Assets | 1.17% | 1.71% | 2.15% | 2.70% | 6.43% | 4.80% | 5.63% | 2.59% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 295% | 295% | n/a | n/a | |
Mooresville, IN · Cert 9647 · Peer group: banks under $1B in assets (n=581-629) · Citba Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.99%
Rank 327 of 629
Net Interest Margin
3.35%
Rank 376 of 629
Efficiency Ratio
70.89%
Rank 365 of 629
Equity / Assets
9.41%
Rank 437 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 327 / 629 | ||
| Return on Equity | 10.48% | 5.38% | 9.30% | 13.28% | Beats 56% | 275 / 629 | ||
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 376 / 629 | ||
| Efficiency Ratio | 70.89% | 58.35% | 67.79% | 79.08% | Beats 42% | 365 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 145 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 45% | 322 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.51% | 11.24% | 13.84% | 18.77% | Beats 38% | 389 / 629 | ||
| Total Risk-Based Capital Ratio | 13.59% | 11.58% | 14.43% | 19.66% | Beats 44% | 355 / 629 | ||
| Equity / Assets | 9.41% | 9.09% | 10.65% | 13.80% | Beats 31% | 437 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.09% | 67.24% | 80.90% | 93.48% | 39th pctl | 360 / 594 | ||
| Loans / Assets | 67.71% | 53.31% | 67.71% | 78.15% | 50th pctl | 315 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||