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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Porter, IN · FDIC certificate #12836
FIRST STATE BANK OF PORTER is an FDIC-insured institution based in Porter, IN (FDIC certificate #12836). In its Q3 2026 Call Report it reported total assets of $159M, total deposits of $138M and net loans of $74M. Its primary federal regulator is FED.
Plain-language readout
FIRST STATE BANK OF PORTER has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $162M in Q2 2026 and were lowest at $156M in Q1 2026.
Total deposits were highest at $138M in Q2 2026 and lowest at $133M in Q1 2026.
Over the whole period total assets rose 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $159M | $138M | $74M | 0.43% | 3.11% | 3.61% |
| Q2 2026 | $162M | $138M | $75M | 0.85% | 5.89% | 3.50% |
| Q1 2026 | $156M | $133M | $75M | 0.85% | 5.88% | 3.52% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.5M | $2.0M | +$449K | +22.2% |
| Federal funds sold | $13.7M | $8.9M | +$4.8M | +53.5% |
| 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) | $61.4M | $60.2M | +$1.2M | +1.9% |
| 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) | $74.9M | $75.2M | -$286K | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $670K | $690K | -$20K | -2.9% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $9.2M | $9.2M | -$21K | -0.2% |
| Total assets | $162.3M | $156.3M | +$6.0M | +3.9% |
| Liabilities | ||||
| Total deposits | $138.2M | $132.9M | +$5.3M | +4.0% |
| 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 | $902K | $857K | +$45K | +5.3% |
| Total liabilities | $139.1M | $133.8M | +$5.3M | +4.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $2.2M | $2.2M | $0K | 0.0% |
| Retained earnings | $28.3M | $28.2M | +$90K | +0.3% |
| Accumulated other comprehensive income | -$4.7M | -$5.3M | +$627K | +11.8% |
| Other equity components | -$2.7M | -$2.7M | -$19K | -0.7% |
| Total equity capital | $23.2M | $22.5M | +$698K | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $82K | -$82K | -100.0% |
| Adjusted nonperforming assets | $0K | $82K | -$82K | -100.0% |
| Tangible equity plus allowance | $24.2M | $23.5M | +$687K | +2.9% |
| Texas ratio (gross) | 0.00% | 0.35% | -0.35 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.35% | -0.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.00% | 6.81% | -0.81 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.80% | 17.05% | -0.25 pts | See points |
| Construction and land loans to total capital | 5.87% | 8.33% | -2.46 pts | See points |
| Commercial real estate to total capital | 92.63% | 94.46% | -1.83 pts | See points |
| Dividend payout, year to date | 37.20% | 0.00% | +37.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.66% | -25.77% | +3.11 pts | See points |
| Liquidity | ||||
| Core deposits | $125.4M | $119.5M | +$5.9M | +4.9% |
| Non-core funding | $12.8M | $13.4M | -$565K | -4.2% |
| Loans to core deposits | 60.54% | 63.76% | -3.22 pts | See points |
| Loans to deposits | 54.91% | 57.32% | -2.41 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 9.93% | 10.44% | -0.51 pts | See points |
| Loans pledged, share of loans | 71.59% | 71.01% | +0.59 pts | See points |
| Volatile liabilities | $13.1M | $13.7M | -$565K | -4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $722K | $361K | +$361K | +100.0% |
| Earnings before provision, single quarter | $361K | $361K | $0K | 0.0% |
| Provision for credit losses, year to date | -$10K | $0K | -$10K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.19% | 6.21% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | Not reported | Not reported | See points |
| Total interest income to average assets | 4.24% | 4.28% | -0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.48% | 0.49% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.12% | 0.11% | +0.01 pts | See points |
| Cost of time deposits | 3.22% | 3.24% | -0.02 pts | See points |
| Total interest expense to average assets | 1.13% | 1.15% | -0.03 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 | $159M | $138M | $74M | 0.43% | 3.11% | 3.61% |
| 2026-06-30 | $162M | $138M | $75M | 0.85% | 5.89% | 3.50% |
| 2026-03-31 | $156M | $133M | $75M | 0.85% | 5.88% | 3.52% |
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 | $136M | 0.06% | 103 | Continuing · -0.00 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.