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1st Source Bank
South Bend, IN·FDIC Cert #9087·Charter: STATE·Est. 19220101.0·HC: 1ST SOURCE CORP
Total Assets
$9.1B
Q4 2025
Return on Assets
1.84%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.79%
Peer avg: 56.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.84%+0.02
ROE
14.49%-0.05
Efficiency
47.79%-0.20
Equity/Assets
0.00%+0.00
NPL Ratio
1.14%+0.20
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.34%+3.44
Charge-offs
0.06%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.6 | 1.6 | 1.6 | 1.8 | 1.8 | 1.8 | 1.8 |
| ROE | 12.7 | 14.1 | 14.1 | 13.6 | 14.5 | 14.2 | 14.5 | 14.5 |
| Efficiency | 51.1 | 50.6 | 50.7 | 51.2 | 49.4 | 48.1 | 48.0 | 47.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.5 | 0.6 | 1.1 | 0.9 | 1.1 |
| Charge-offs | 0.4 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 91.0 | 90.4 | 90.8 | 92.7 | 90.4 | 93.2 | 91.9 | 95.3 |
Balance Sheet
Total Assets$9.1B
Total Deposits$7.2B
Total Loans$6.9B
Total Equity$1.2B
Profitability
ROA1.84%
ROE14.49%
Efficiency Ratio47.79%
Net Income$166.1M
Risk & Asset Quality
NPL Ratio1.14%
Charge-off Rate0.06%
Loan/Deposit95.34%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans