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 | |