# INFIRST BANK
INDIANA, PA · FDIC certificate 27763 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $683.2M | |
| Deposits | $612.7M | |
| Loans and leases | $602.9M | |
| Total equity | $62.6M | |
| Loans / deposits | 97.27% (p85 of band) | 82.04% |
| Liquid assets / assets | 8.71% (p3 of band) | |
| Uninsured deposits / deposits | 14.61% (p12 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.49% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -4.43% (p66 of band) | -8.10% |
| AOCI / equity | -0.64% (p35 of band) | |
| ROA (annualized) | 1.02% (p34 of band) | 1.28% |
| Net interest margin | 3.97% (p53 of band) | 3.91% |
| Efficiency ratio | 65.28% (p62 of band) | |
| Noncurrent loans | 0.10% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 1102.06% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 21.61% (p27 of band) | |
| Auto loans | $2.6M (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | loans exceed deposits |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 2 | liquid assets <10% |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2014-09 | 3 | loans exceed deposits, liquid assets <10%, capital falling | reserve under noncurrent |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 3 | uninsured deposits leaving | capital falling |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 |  | liquid assets <10% |
| 2019-06 | 0 |  | loans exceed deposits |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | capital falling | charge-offs p90 |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 2 | liquid assets <10% | capital falling |
| 2021-03 | 1 |  | liquid assets <10% |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | liquid assets <10% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | loans exceed deposits |  |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | loans exceed deposits |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-17 [FRIDAY, JULY 17, 2026 Ad - InFirst Bank - Greensburg - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2026-07-31 [FRIDAY, JULY 31, 2026 Ad - InFirst Bank - Greensburg - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2024-11-02 [Beacon Legacy Planners LLC to acquire InFirst Financial Advisors LLC - Indiana Gazette Online](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOeEhSZkxjelF0NWdvNFlCYmJLUlVkYUJscEtoeWlNalRaRFRpano1M1hkZ3BDeXdpNDN3N3ZlUWF4SGpjM3NYbzhPeVAzRG9QYzI0S21NcEZERFJEdDRGWlZhQVc3QVJNYjBraUUzMUpmQlp5ZjNodXE0ckxUdlpGZG9tUlJ4S0h2UjVkSi1SNkp4M3pnNFp3Y3NQTllYS0ZkR3pJMHRrckx5N3JXdjlINVNOS3NjcUd6M05XMDZyRER4MnM1Y1h2UVlqaVU3bnRDaGRXM0p4bm9XUFRkN2F1SW9zcHkzNmptZUE?oc=5) · Indiana Gazette Online
- 2022-02-19 [InFirst names chief financial officer - Indiana Gazette Online](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNa21vVDlZbUljbU5EQjlpb1VSOXBhLThobW55Y0N4cGdmOE41bHI1UXJkQkl2ZkI3bHBrbXpPTUlsZWExQnB0c3JLQUFNdUNUMW1ERDNaaXRCOXo2dmx5Y2NMYlVzWjVvYVRSX3JjeHBuWkRPY3h0RmJMc3E2cFNCN0dYRXNJNExOQUFrM1JaaDJkdzZvTnhic3hOZ2N1Q05vRkFHSWk3c2ozbGdTV1VxdDhhY2pFQUhNQTlFRFd0WnE?oc=5) · Indiana Gazette Online
- 2023-06-29 [THURSDAY, JUNE 29, 2023 Ad - InFirst Bank - Harrison City - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2025-05-15 [THURSDAY, MAY 15, 2025 Ad - InFirst Bank - Greensburg - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2024-05-09 [THURSDAY, MAY 9, 2024 Ad - InFirst Bank - Greensburg - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2024-10-24 [THURSDAY, OCTOBER 24, 2024 Ad - InFirst Bank - Greensburg - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27763 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "27763", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide