Everence Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Everence Trust Company is an FDIC-insured savings institution headquartered in Goshen, IN, established in 2001 (FDIC certificate 57109), and it is supervised by the OCC. At Q2 2026 it reported total assets of $16.2M, up 20.8% from Q2 2025, the 87th largest of 87 banks headquartered in Indiana.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57109
- Headquarters
- Goshen, IN
- Established
- 2001
- Total assets, Q2 2026
- $16.2M
- Assets vs Q2 2025
- +20.8%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071274580
- Asset rank in state
- 87th of 87 in Indiana
Everence Trust Company is one of the more profitable banks of its size. Based in Goshen, Indiana, it had $16 million in assets at June 30, 2026, up 20.8% from a year earlier. It returns 19.6% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also keeps 6.92 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).
Earnings jumped: net income for the quarter was $679,000, 100% above the same quarter a year earlier. Costs are the weak spot: it spends about 91 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Everence Trust Company reported a CET1 capital ratio of 175.57%, a return on assets of 18.46% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Everence Trust Company is the smallest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.4% to $16.2M, deposits were flat. Its one office in the FDIC Summary of Deposits is in Goshen, IN. By the capital ratios in its Q2 2026 call report, Everence Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1110 N Main St, Goshen, IN 46528
- County
- Elkhart
- Metro Area
- Elkhart-Goshen, IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 2001
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $14.7M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 1, 2001
- FDIC Cert
- 57109
- Fed RSSD
- 3029253
- Website
- www.everence.com →
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Everence Trust Company's total assets ranged from $11.1M (Q3 2023) to $17.5M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$16.2M total assets against $13.4M; $2.0M total liabilities against $1.5M.
$0 net loans and leases against $0; $500K total deposits against $500K.
$8.4M securities against $8.1M; $1.1M cash and balances due against $1.4M.
$155K total interest income against $89K; $2K total interest expense against $5K.
$153K net interest income against $84K.
$10.8M total noninterest income against $8.7M; $9.9M total noninterest expense against $8.3M.
No provision recorded in the last 12 quarters.
$679K net income against $339K.
18.46% return on assets against 10.21%; 6.92% net interest margin against 4.18%.
175.57% CET1 capital ratio against 209.19%; 96.81% tier 1 leverage ratio against 89.79%.
Inside the full Everence Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 5.15% (Q1 2025) to 30.31% (Q1 2026) and its net interest margin ran from 4.14% (Q3 2024) to 6.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 175.57% | 18.46% | — | 0.00% | 6.92% |
| Q1 2026 | 144.66% | 30.31% | — | 0.00% | 4.76% |
| Q4 2025 | 192.98% | 7.27% | — | 0.00% | 4.28% |
| Q3 2025 | 208.04% | 18.36% | — | 0.00% | 4.78% |
| Q2 2025 | 209.19% | 10.21% | — | 0.00% | 4.18% |
| Q1 2025 | 201.88% | 5.15% | — | 0.00% | 4.14% |
| Q4 2024 | 211.51% | 12.44% | — | 0.00% | 4.19% |
| Q3 2024 | 103.50% | 27.47% | — | 0.00% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Everence Trust Company (main office) | Goshen , IN | 46528 | $500K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 129 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Everence Trust Company
What are Everence Trust Company's total assets?
As of the Q2 2026 filing, Everence Trust Company reported total assets of $16.2 million in its FFIEC call report.
Where is Everence Trust Company headquartered?
It is headquartered in Goshen, IN, United States.
When was Everence Trust Company founded?
It was established in 2001, per the FDIC institution directory.
Is Everence Trust Company FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #57109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Everence Trust Company?
Everence Trust Company's primary federal regulator is the OCC.
What is Everence Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 175.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Everence Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Everence Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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