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First National Bank

$100M-$1B Specialty: Other IN FDIC cert 4324

Cloverdale, IN

7 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits -2.1% year over year ($383.1M on the books).
  • Delinquency rate 0.71%.
  • Return on assets 0.42%.
  • Efficiency ratio 85.59% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

First National Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.7% in tier
  • - Efficiency Drag: Bottom 28.8% in tier
  • - Credit Quality Pressure: Bottom 36.9% in tier
  • - Credit Risk Growth: Bottom 49.5% in tier
  • - ROA 0.90% below tier average
  • - Net Interest Margin 0.93% below tier average
Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $418.5M
-1.1% YoY -0.4% QoQ
+$32.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $224.2M
+10.9% YoY +4.7% QoQ
-$34.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $383.1M
-2.1% YoY -0.5% QoQ
+$56.3M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 0.42%
-11.7% YoY +10.5% QoQ
-0.90% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 10.4% in tier
Net Interest Margin ? 3.06%
+1.2% YoY +2.7% QoQ
-0.93% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 11.4% in tier
Efficiency Ratio ? 85.59%
+4.2% YoY -0.6% QoQ
+21.11% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 8.4% in tier
Delinquency Rate ? 0.71%
+20.6% YoY +158.1% QoQ
-0.20% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 58.53%
+13.2% YoY +5.2% QoQ
-19.42% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 20.18%
+2.4% YoY -2.3% QoQ
-1.85% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.38%
+35.1% YoY +171.4% QoQ
-0.29% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 16.70%
-3.4% YoY -4.1% QoQ
+0.79% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.24%
+4.4% YoY +117.8% QoQ
-0.33% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 20.2%
+0.5pp YoY
-0.5pp QoQ
 -2.0pp 22.1% 16.8% 22.2% 46%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 9.2%
-2.7pp YoY
-0.1pp QoQ
 -2.3pp 11.6% 11.1% 12.5% 48%
CRE 30.5%
+2.4pp YoY
+0.1pp QoQ
 -9.0pp 39.5% 36.2% 41.4% 35%
1-4 Family 41.2%
+1.9pp YoY
+0.8pp QoQ
 +8.6pp 32.6% 40.0% 31.3% 72%
Consumer 2.3%
-1.2pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 3.2% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 16.7%
-0.6pp YoY
-0.7pp QoQ
 -2.1pp 18.8% 17.5% 19.7% 62%
Leverage Ratio 9.5%
+0.2pp YoY
-0.2pp QoQ
 -2.7pp 12.2% 13.0% 12.6% 21%
Total Capital Ratio 18.0%
-0.6pp YoY
-0.7pp QoQ
 -2.0pp 19.9% 18.7% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 75
-4 (-5.1%) YoY
+3 (+4.2%) QoQ
 +16 58 237 482 74%
Assets per Employee ($) $5.6M
+4.2% YoY
-4.4% QoQ
 -$1.9M $7.5M $7.5M $8.8M 24%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 30%
Nonaccrual 0.7%
+0.5pp YoY
+0.4pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 62%
Allowance Coverage 2.70x
-25.9% YoY
-63.0% QoQ
 -21.46x 24.15x 6.71x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 5.6%
-1.3pp YoY
+0.5pp QoQ
 -6.6pp 12.2% 11.2% 11.6% 15%
Cost of Funds (YTD) 1.7%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 47%
Net Income ($, YTD) $894,000
-10.1% YoY
— QoQ
 -$1.7M $2.6M $16.3M $40.4M 24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk
#15 of 529 • Bottom 2.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.42%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#105 of 361 • Bottom 28.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 85.59%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#464 of 1256 • Bottom 36.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.71%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#464 of 936 • Bottom 49.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

409
Loan-to-Deposit Ratio
liquidity
Value: 58.53%
Peer Median: 77.95%
#409 of 2643 Top 15.4% in $100M-$1B
648
Tier 1 Capital Ratio
capital
Value: 16.70%
Peer Median: 15.91%
#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (3 metrics)

2421
Efficiency Ratio
profitability
Value: 85.59%
Peer Median: 64.48%
#2421 of 2643 Bottom 8.4% in $100M-$1B
2370
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.32%
#2370 of 2643 Bottom 10.4% in $100M-$1B
2343
Net Interest Margin
profitability
Value: 3.06%
Peer Median: 3.99%
#2343 of 2643 Bottom 11.4% in $100M-$1B
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