1ST SOURCE BANK

SOUTH BEND, IN | Large | Est. Jan. 1, 1922, midnight | FDIC #9087 | RSSD #991340 | FED
Latest Report: 2025-12-31

1ST SOURCE BANK is aln large FDIC-insured commercial bank headquartered in SOUTH BEND, IN, established in Jan. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $9.1B and total deposits of $7.2B. Profitability stands at 1.90% ROA and 14.34% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 14.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.09% and a Texas Ratio of 5.55%. FDIC Certificate #9087.

Assets

$9.1B

Deposits

$7.2B

Loans

$7.1B

Equity

$1.2B

Profitability

Return on Assets (ROA) 1.90%
Return on Equity (ROE) 14.34%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.39%
Cost of Funds 4.75%

Asset Quality

NPL Ratio 1.09%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.55%
NPA Ratio 0.85%
ACL / Loans 2.30%

Capital & Liquidity

CET1 Ratio 14.82%
Tier 1 Capital 15.36%
Total Capital Ratio 16.62%
Leverage Ratio 13.45%
Loan-to-Deposit 97.58%

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