Everence Trust Company: how it compares with its peers
Against 96 U.S. banks with half to twice its assets, Everence Trust Company's strongest measure in Q2 2026 is net interest margin (6.10% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($425K vs. $3.5M).
| Measure | Everence Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 19.63% | 1.06% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.10% | 3.80% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.11% | 80.45% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $425K | $3.5M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 63.00% | Context |
What it means for lending operations
Its efficiency ratio of 90.11% is above the 80.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Cedar Hill National Bank Charlotte, NC · $16M
- Dysart State Bank Dysart, IA · $17M
- Young Americans Bank Denver, CO · $16M
- Thrivent Trust Company Appleton, WI · $15M
Questions about Everence Trust Company
How big is Everence Trust Company?
Everence Trust Company, established in 2001, is headquartered in Goshen, IN. It reported $16M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Everence Trust Company's return on assets?
19.63% annualized in Q2 2026, against a 1.06% median for 96 U.S. banks with half to twice its assets, ahead of 92% of them.
What is Everence Trust Company's efficiency ratio?
90.11% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 80.45%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.