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1St Source Bank
South Bend, IN · FDIC Certificate #9087 · Chartered 01/0
Total assets
$9.26B
Total deposits
$7.43B
Total equity
$1.30B
Net loans
$7.06B
Branches (offices)
80
Net income (YTD)
$90.93M
Rank: #172 of 4,213 U.S. banks by assets · #5 of 87 in Indiana. Assets changed 1.9% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 14.72% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 14.02% |
| Tier 1 leverage ratio | 13.72% |
| Uninsured deposits (share of deposits) | 53.8% |
| Noncurrent loans (share of loans) | 0.99% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 95.0% |
| Real estate loans (share of loans) | 29.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.09B | 29.6% | |
| Commercial & industrial | $4.80B | 68.0% | |
| Consumer / individual | $109.35M | 1.5% | |
| Construction & development | $410.09M | 5.8% | |
| Agricultural | $47.09M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $8.03B | $6.75B | $57.04M | $896.75M |
| Jun 2023 | $8.41B | $6.98B | $66.87M | $951.99M |
| Jun 2024 | $8.88B | $7.20B | $69.31M | $1.08B |
| Jun 2025 | $9.08B | $7.44B | $78.84M | $1.21B |
| Jun 2026 | $9.26B | $7.43B | $90.93M | $1.30B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $7.08B | 71 |
| Michigan | $304.83M | 8 |
| Florida | $43.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.43B.
Similar-sized banks
Liberty Bank ($9.38B) · Lake Forest Bank & Trust Company, National Association ($9.25B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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