| Metric | 1st Source Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 1.99% | 1.26% | +0.7 pts |
| ROE | 14.7% | 12.2% | +2.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.26B | $7.43B | $7.06B | $1.26B | $90.9M | 1.99% | 4.38% | 0.78% |
| Q1 2026 | $9.11B | $7.23B | $6.92B | $1.23B | $41.5M | 1.83% | 4.33% | 0.80% |
| Q4 2025 | $9.05B | $7.23B | $6.89B | $1.22B | $166.1M | 1.84% | 4.24% | 0.86% |
| Q3 2025 | $9.05B | $7.41B | $6.81B | $1.19B | $123.0M | 1.82% | 4.15% | 0.71% |
| Q2 2025 | $9.08B | $7.44B | $6.94B | $1.15B | $78.8M | 1.75% | 4.07% | 0.81% |
| Q1 2025 | $8.96B | $7.42B | $6.71B | $1.11B | $39.6M | 1.77% | 4.00% | 0.47% |
| Q4 2024 | $8.93B | $7.23B | $6.70B | $1.07B | $138.9M | 1.58% | 3.78% | 0.37% |
| Q3 2024 | $8.76B | $7.13B | $6.47B | $1.07B | $106.3M | 1.62% | 3.74% | 0.38% |
Loan mix (Q2 2026): real estate $2.09B · commercial $4.80B · consumer $109.4M · securities $1.53B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1st Source Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 59.0% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 1st Source Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 1st Source Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 1st Source Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 1st Source Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.