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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Greensburg, IN · FDIC certificate #30058
FIRST FS&LA OF GREENSBURG is an FDIC-insured institution based in Greensburg, IN (FDIC certificate #30058). In its Q3 2026 Call Report it reported total assets of $137M, total deposits of $120M and net loans of $88M. Its primary federal regulator is OCC.
Plain-language readout
FIRST FS&LA OF GREENSBURG has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $159M in Q2 2026 and were lowest at $137M in Q3 2026.
Total deposits were highest at $141M in Q2 2026 and lowest at $120M in Q3 2026.
Over the whole period total assets fell 6.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $137M | $120M | $88M | 0.59% | 5.01% | 2.99% |
| Q2 2026 | $159M | $141M | $87M | 0.48% | 4.15% | 2.88% |
| Q1 2026 | $146M | $128M | $86M | 0.45% | 3.81% | 2.85% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.1M | $8.7M | +$12.4M | +142.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $41.4M | $42.1M | -$669K | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $86.8M | $85.5M | +$1.3M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $1.9M | -$3K | -0.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $48K | $57K | -$9K | -15.8% |
| All other assets | $8.2M | $7.7M | +$435K | +5.6% |
| Total assets | $159.5M | $146.1M | +$13.4M | +9.2% |
| Liabilities | ||||
| Total deposits | $141.4M | $128.4M | +$13.0M | +10.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $267K | $165K | +$102K | +61.8% |
| Total liabilities | $141.6M | $128.5M | +$13.1M | +10.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $20.5M | $20.3M | +$200K | +1.0% |
| Accumulated other comprehensive income | -$2.7M | -$2.8M | +$139K | +5.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $17.9M | $17.5M | +$339K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $981K | +$56K | +5.7% |
| Adjusted nonperforming assets | $1.0M | $981K | +$56K | +5.7% |
| Tangible equity plus allowance | $19.0M | $18.7M | +$348K | +1.9% |
| Texas ratio (gross) | 5.44% | 5.25% | +0.20 pts | See points |
| Texas ratio (adjusted) | 5.44% | 5.25% | +0.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.98% | 12.53% | -3.56 pts | See points |
| Tier 1 capital to risk-weighted assets | 23.71% | 24.30% | -0.60 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 23.71% | 24.30% | -0.60 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 24.96% | 25.56% | -0.60 pts | See points |
| Tier 1 leverage (approximate) | 12.33% | 13.35% | -1.03 pts | See points |
| Construction and land loans to total capital | 13.66% | 11.95% | +1.70 pts | See points |
| Commercial real estate to total capital | 32.18% | 30.54% | +1.63 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.46% | -18.57% | +1.11 pts | See points |
| Liquidity | ||||
| Core deposits | $137.7M | $124.5M | +$13.1M | +10.5% |
| Non-core funding | $3.7M | $3.8M | -$153K | -4.0% |
| Loans to core deposits | 63.95% | 69.68% | -5.73 pts | See points |
| Loans to deposits | 62.28% | 67.60% | -5.32 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.64% | 55.62% | -0.98 pts | See points |
| Loans pledged, share of loans | 69.16% | 70.17% | -1.02 pts | See points |
| Volatile liabilities | $3.7M | $3.8M | -$153K | -4.0% |
| Earnings | ||||
| Earnings before provision, year to date | $446K | $201K | +$245K | +121.9% |
| Earnings before provision, single quarter | $245K | $201K | +$44K | +21.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.98% | 4.97% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.64% | 3.23% | +0.41 pts | See points |
| Total interest income to average assets | 3.77% | 3.72% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.24% | 1.06% | +0.18 pts | See points |
| Cost of savings and money market deposits | 1.23% | 1.22% | +0.02 pts | See points |
| Cost of time deposits | 4.16% | 4.02% | +0.14 pts | See points |
| Total interest expense to average assets | 1.25% | 1.14% | +0.11 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $137M | $120M | $88M | 0.59% | 5.01% | 2.99% |
| 2026-06-30 | $159M | $141M | $87M | 0.48% | 4.15% | 2.88% |
| 2026-03-31 | $146M | $128M | $86M | 0.45% | 3.81% | 2.85% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $135.2M | 0.06% | 104 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.