Hendricks County Bank and Trust Company
Total assets
$247.4M
▲ +7.6% YoY
Deposits
$226.3M
▲ +7.1% YoY
Loans
$150.6M
▲ +13.1% YoY
Offices
5
MIDSTATE FINANCIAL CORP
ROA (annualized)
0.66%
peers 1.24%
ROE (annualized)
7.88%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.5 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FED
- Holding company
- MIDSTATE FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1 E Main St, Brownsburg, IN, 46112
- County
- Hendricks
- Metro area
- Indianapolis-Carmel-Anderson, IN
- Offices
- 5
- FDIC cert #
- 13111
- RSSD ID
- 633640
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.4M | $226.3M | $150.6M | $20.7M | $798K | 0.66% | 4.14% | 0.30% |
| Q1 2026 | $239.9M | $218.9M | $140.8M | $20.4M | $339K | 0.57% | 3.99% | 0.31% |
| Q4 2025 | $235.2M | $214.9M | $139.7M | $19.6M | $328K | 0.14% | 4.07% | 0.17% |
| Q3 2025 | $234.5M | $214.9M | $138.2M | $19.1M | $3K | 0.00% | 3.99% | 0.37% |
| Q2 2025 | $230.1M | $211.3M | $133.1M | $18.2M | $66K | 0.06% | 3.89% | 0.37% |
| Q1 2025 | $234.4M | $215.8M | $131.9M | $18.0M | $189K | 0.32% | 3.80% | 0.67% |
| Q4 2024 | $231.0M | $213.5M | $133.1M | $17.0M | $552K | 0.24% | 3.49% | 1.06% |
| Q3 2024 | $229.2M | $210.7M | $127.2M | $18.0M | $453K | 0.26% | 3.44% | 1.07% |
Loan mix (Q2 2026): real estate $133.7M · commercial $14.5M · consumer $2.5M · securities $65.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 62.9% | 81th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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