Everence Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on assets dropped 11.85 percentage points in Q2 2026, from 30.31% to 18.46%. It was the largest change from Q1 2026 among the key lines here. Everence Trust Company has the highest return on assets of the 87 banks headquartered in Indiana, 18.46% as of Q2 2026. Everence Trust Company's return on assets of 18.46% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 17.46 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 175.57% |
| Tier 1 risk-based capital ratio | 175.57% |
| Total risk-based capital ratio | 175.57% |
| Tier 1 leverage ratio | 96.81% |
| Equity capital to assets | 87.71% |
| Tangible equity to tangible assets | 87.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 18.46% |
| Return on equity | 19.61% |
| Net interest margin | 6.92% |
| Efficiency ratio | 91.06% |
| Yield on earning assets | 7.01% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 0.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 3.09% |
| Securities to assets | 51.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 151.77% | 151.77% | 151.77% | 81.87% | 14.86% |
| Q4 2023 | 134.66% | 134.66% | 134.66% | 76.47% | 6.58% |
| Q1 2024 | 133.90% | 133.90% | 133.90% | 67.82% | 9.25% |
| Q2 2024 | 138.45% | 138.45% | 138.45% | 59.77% | 9.49% |
| Q3 2024 | 103.50% | 103.50% | 103.50% | 88.67% | 27.47% |
| Q4 2024 | 211.51% | 211.51% | 211.51% | 75.72% | 12.44% |
| Q1 2025 | 201.88% | 201.88% | 201.88% | 77.64% | 5.15% |
| Q2 2025 | 209.19% | 209.19% | 209.19% | 89.79% | 10.21% |
| Q3 2025 | 208.04% | 208.04% | 208.04% | 103.37% | 18.36% |
| Q4 2025 | 192.98% | 192.98% | 192.98% | 119.35% | 7.27% |
| Q1 2026 | 144.66% | 144.66% | 144.66% | 114.71% | 30.31% |
| Q2 2026 | 175.57% | 175.57% | 175.57% | 96.81% | 18.46% |
Everence Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Everence Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Everence Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57109) · FFIEC NIC profile (RSSD 3029253)