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BDI
ET

Everence Trust Company

Goshen, IndianaFDIC Cert #57109

OCCEstablished 20011 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
22.42%
+266.5%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNETINC + ROA
ROE
27.36%
+304.6%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNETINC + ROE
Pretax ROA
28.02%
+285.8%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICPTAXNETINC + ASSET
NIM
4.91%
+17.8%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNIM + NIMY
Earning yield
5.10%
+12.7%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICINTINCY
IB deposit cost
3.20%
−42.9%y/y
Peer standing28th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
89.09%
−8.6%y/y
Peer standing41st percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
228.84%
−16.6%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNONIX + ASSET
Fee share
99.00%
−0.1%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICNONII + NIM
Assets YoY
+38.25%
+509.8%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICASSET
Deposits YoY
0.00%
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICDEP

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
99th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −0.93%Median 0.30%90th 1.97%Observations 77
ROE
FDICNETINC + ROE
97th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −6.42%Median 1.92%90th 9.64%Observations 77
NIM
FDICNIM + NIMY
99th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.12%Median 3.42%90th 4.22%Observations 77
Efficiency
FDICNONIX + NIM + NONII + EEFFR
41st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 64.58%Median 86.06%90th 123.71%Observations 77
Deposits YoY
FDICDEP
39th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −5.85%Median +2.09%90th +11.84%Observations 77
Loans YoY
FDICLNLSNET
Toggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −5.56%Median +1.66%90th +8.66%Observations 70
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
Toggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.45%90th 2.93%Observations 70
Leverage
FDICRBC1AAJ
98th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.85%Median 16.55%90th 31.44%Observations 77

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
28th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.10%Median 2.69%90th 3.65%Observations 77
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
0th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 4%Median 33%90th 96%Observations 41

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.