1st Source Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Source Bank of South Bend, IN against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.12% | 1.34% | +0.78% | 89th top |
| ROAE | 15.88% | 12.40% | +3.48% | 75th top |
| Net Interest Margin | 4.23% | 3.83% | +0.40% | 80th top |
| Efficiency Ratio | 45.63% | 57.84% | -12.21% | 85th top |
| PPNR / Avg Assets | 2.81% | — | — | 92nd top |
| Yield on Earning Assets | 5.83% | 5.71% | +0.12% | 67th above |
| Cost of Funds | 1.84% | 2.02% | -0.18% | 59th above |
| Net Interest Spread | 3.46% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.99% | 1.00% | -0.01% | 33rd below |
| NPA / Total Assets | 0.77% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans | 2.30% | — | — | 97th top |
| ACL / NPLs (Coverage) | 233.50% | — | — | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.88% | 5.47% | -0.59% | 40th below |
| Provision / NCO | 200.62% | — | — | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.84% | 14.99% | -0.15% | 68th above |
| Tier 1 Ratio | 15.36% | 15.02% | +0.34% | 73rd above |
| Total Capital Ratio | 16.62% | — | — | 74th above |
| Leverage Ratio | 13.72% | 11.11% | +2.61% | 88th top |
| Equity / Assets | 13.56% | 11.02% | +2.54% | 88th top |
| TCE / Tangible Assets | 12.78% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.20% | 86.99% | +10.21% | 23rd bottom |
| Core Deposit Ratio | 89.92% | 85.57% | +4.35% | 58th above |
| Uninsured Deposit Ratio | 53.84% | 33.19% | +20.65% | 7th bottom |
| Wholesale Funding Ratio | 3.73% | — | — | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.92% | — | — | 26th below |
| Loan Growth (Y/Y) | 1.73% | — | — | 26th below |
| Deposit Growth (Y/Y) | -0.14% | — | — | 17th bottom |
See 1st Source Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Source Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 1st Source Bank profile, how to read a UBPR, or how this data updates.